The reason your refund would be significantly lower than anticipated would normally be because the IRS adjusted your tax return for some reason. If they did this, they will send you a notice in the mail explaining the adjustment and you will have a chance to respond and protest it if you want. You may be able to see where the deposit in your bank came from on your bank statement. Your federal refund would likely come from the United States Treasury and your state refund would come from your state department of revenue.
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