EDIT- It turns out the error is due to a refi I did in 2020, it is a well known bug that TurboTax doesn't handle mortgage balances very well. Instead of recognizing you only had 1 mortgage at any given time during the year, it combines the old and new lender amounts. If the total is then over $750,000, it caps your mortgage interest deduction.
https://ttlc.intuit.com/community/tax-credits-deductions/discussion/bug-with-refinance-on-a-large-mo...
The worst part of the bug is that the program never actually tells you you exceeded the $750,000 mortgage balance limit, if it told you that at least you would know something is wrong
