To anyone else encountering this issue - I highly recommend calling Intuit customer support. If you walk them through the bug, they will transfer you to a TurboTax Live representative who will have you share your screen and walk you through your specific circumstance. They did this for me when I called and showed it is a bug.
I don't think Intuit's product team will prioritize the problem unless it can see that the issue is weighing down its resources and complimentary Live support to unhappy customers.
Sadly, this issue is going to cheat many unknowing people out of a higher refund. It really should not be buried in a tooltip, notably in a year where there were a record number of refinances. @JamesG1
