Top 10 markets for mortgage overpayment in 2025

Bankrate compared 3.2 million 2025 mortgage originations against its most competitive available offers across more than 350 U.S. metro areas to find where borrowers overpaid the most.

Bankrate compared 3.2 million 2025 HMDA loan originations against competitive offers on its own marketplace across 350-plus metros, controlling for 17 factors like credit score and loan type to isolate each borrower's rate gap. Overpayment figures project the resulting cost over 8 years (annualized) and over the life of the loan.
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