Sorry, don't have a solution, just echoing that we're having a similar problem. SALT is capped at $10k, and we have approximately $27k mortgage interest on a ~$730k loan.
We refinanced and switched lenders in the second half of the year, resulting in two 1098s for the same mortgage. TT seems to calculate the deduction with one lender ($24k interest), but when we add the second lender ($3k interest), our refund shrinks and TT tells us that we should take the standard deduction, which doesn't make sense. TT still shows that we paid $27k in mortgage interest, too, so I'm wondering if this is a bug.
