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Whew - thought it was me.  Same problem here - one house, 1st and 2nd mtgs, one for about 610k one for 80k. Refi'd both at end of Sept 2020.  TT calc'd the average balance between tier 2 and 3 loan types and gets 1.4 mil.  Never had a daily balance over 700k.  TT then erroneously reduced the Deduct Mtg interest by over 50%. Yikes. Turbo Tax are you listening?  Fix it or open up the worksheets that are locked behind the scenes to let me users put in the correct calculated amounts. Or, issue us refunds to we can go elsewhere.  Where is the "Alert" that this function is broken~!