Bankrate Research
The Hidden Homeownership Tax
How mortgage overpayment is making housing and retirement less affordable
Bankrate News & Research
Media inquiriesWhat banks don’t want you to read
First Time Buyers
3 traps the mortgage industry doesn’t want you to know about — and how to avoid them
By Jeff Ostrowski6 min read
Mortgages
This couple mortgaged 9 properties in under a decade. Here are the financing tips they swear by
By Katie Kelton, CCC5 min read
Personal Finance
The ‘attorney model’ loophole: How debt relief companies scam people seeking help
By Natalie Todoroff11 min read
Auto Loans
How predatory but legal auto loans are systematically taking advantage of people with subprime credit
By Andrew Pentis15 min read
Live Data
Overpayment Rate Tracker
Share of borrowers overpaying on their mortgage, by state — based on Bankrate HMDA analysis.
National average
87.0%
overpay rate
Highest
PA
90.2% overpay rate
Lowest overpay rate
Iowa — 83.1%
$1.9k average annual overpayment
Overpay rate by state
HMDA 2026Lower ←→ Higher
< 85%
85–87%
87–89%
89–90%
≥ 90%
Homebuying in America
Real stories from the front lines of homebuying — what buyers are learning, and what it means for you.
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