Mathematically, at those interest rates, it doesn't make sense to pay off the house. While Dave Ramsey will tell you otherwise, you are better off financially by investing the cash (even in a HYSA at today's rates) and not pay off the mortgage. Ramsey has great advice about avoiding high cost interest debt, but that is where the quality of his advice ends. (Investment and otherwise.)

If your worst case scenario happens and you lose a job/earning is impaired, you'll still have the cash invested to pay it off should that be a choice you make.

Some are really driven by not having a mortgage and the feeling of owning your home. There is nothing wrong with that either, but it is not the best financial decision given the data points you've shared.