This problem is well described in the below thread:
https://ttlc.intuit.com/community/tax-credits-deductions/discussion/re-i-refinanced-and-have-two-109...
There is an issue in how the program performs forced calculations of the average mortgage balance for CA with an additional 1098 / refinanced loan. There is an open investigation for me personally, with no end date described. Many irate people on this thread encountering the same issue you're alluding to.
