Oh fuck off lending tree. Made up nonsense.

Edit: Why am I getting downvoted? Oh, Tesla bad? Yeah, Tesla bad. LendingTree bad too. It’s spin and propaganda for the mortgage industry. They publish clickbait “research” using non scientific metrics to reach whatever conclusion they set out to reach, usually it’s just shitting on blue states. They frequently reach the opposite conclusions of credible researchers with no explanation as to why they created their own formulas when perfectly valid, standard formulas exist.