FYI, in my case entering the three separate 1098s (original lender, institution the did the refinance and held the mortgage for a couple weeks, and the final lender that acquired the mortgage, all in Oct-Nov 2020) as you suggest, and answering the follow-up questions regarding loan amounts and payoff dates apparently fools TurboTax into thinking my home loan is for over $m1.5 (about three times the actual amount), which kicks in a significant limitation in the amount of mortgage interest you can deduct. In my view it's basically a TTax bug and the combined 1098 procedure is a workaround. Cheers!
