iPhone XR Unavailable Due to Ghost Touch — Can I Fix Without Factory Reset?

If your iPhone is Unavailable, you will need to erase it to set it up again with a new passcode. Unfortunately if you didn't have a backup in place beforehand, you would be losing all your data and content. Sorry but that's why you want backups before disaster occurs, so you can restore it in this case.

If you forgot your iPhone passcode or your iPhone is disabled - Apple Support

Even if you were to erase and restore your iPhone, it wouldn't fix the ghost touches that caused this. Ghost touches are usually caused by a failing screen digitizer, the part under your iPhone's screen that registers touch. You would need to have that replaced at your nearest Apple Store's Genius Bar or Apple Authorized Service Provider, or if other service was necessary such as a failing battery could also cause this.

Genius Bar Reservation and Apple Support Options - Apple

Unfortunately, that "ghost touch" issue is going to continue until you have the screen replaced at the Apple Store or an authorized Apple service shop.

That procedure in and of itself will result in the data on your iPhone being erased as part of the repair / replacement process.

Nope. Sorry. Your only option is to erase and restore.

Anything not already backed up is gone.