Mortgage Interest Calculation problems?

I have entered all of my 1098 forms and I am having a difficulty understanding the calculations. We financed our home twice during 2020 (due to increasing lower interest rates). On our second refinance, our principle home loan value was higher ($420,000) than at the time of our first refinance (~$415,000) due to the taxable value on our home being reassessed, and needing to add extra money to the loan to cover the increased escrow amount (our home taxes were due the month following this second refinance).

Upon entering the second refinance information (and subsequent loan transfer) the mortgage interest from these 1098s is REDUCING the amount of mortgage interest we can actually claim (I have about $15000 in total mortgage interest, but the calculation is only showing about $5400).

I have entered all 1098 forms (the refinances and 1098s associated with the home loan transfer to other lenders) in the order which they occurred.  I am unsure why our total mortgage interest is lowered after I enter the second refinance information.  We did not take any cash out as part of the refinances, but it seems as if the calculator is treating it that way.

Could someone provide me some assistance with this issue?
Thanks for your assistance!