Deductions & credits

The $65,000 cash you took out that was not to substantially improve the home is considered home equity debt, and the interest paid on it would not be deductible. Since your remaining amount after that would be around $715,000, the rest should be deductible. If you did not pay any points or have already deducted all the points on your original loan or the cash-out refinance, then I would combine all four forms into one Form 1098:

1. In the Federal > Deductions & Credits section of your return, scroll down to Your Home and click Revisit/Start next to Mortgage Interest and Refinancing (Form 1098)
2. Edit your existing 1098. You should only have one that contains all four 1098s.
3. Answer the questions and enter the information from your Form 1098s:
   1. Box 1 Mortgage interest - Add the amounts together from all 1098s
   2. Box 2 Outstanding Mortgage Principal - Use the amount reported on the cash-out refinance ($780,000)
   3. Box 3 Mortgage Origination Date - Use the original purchase date
   4. Boxes 5 & 6 - Use the combined totals from all 1098s
   5. Make sure Box 7 is checked
4. Answer What kind of property is this loan secured by?
5. Answer Yes or No to  We didn't pay any points. This is for the most recent refinance
6. Answer Yes to Let's see if this is the most recent form for this loan.
7. Answer No to Is this the original loan used to buy your property? 
8. Answer Yes to Is this loan a HELOC or a refinance? 
9. Answer Yes to Did you take cash out? 
10. Answer No to Have you used the money from this money exclusively on the home? 
11. Select Help me figure this out on the Let's see how much interest you can deduct screen.
12. Enter the amount you used on the home (the amount you refinanced plus allowable home improvements, approximately $692,000 + 15,000) then enter the balance due as of January 1, 2022 from your current loan. 

As long as the home acquisition portion of your loan is under $750,000, any interest spent on that is deductible. The portion of interest on the home equity debt of approximately $65,000 is not deductible. 

If you do have points left to deduct from either your original loan or your cash-out refinance, then you will need to report each 1098 separately and determine the average outstanding loan balance for each one. The end result should be the same, but more math and typing would be required. You determine the average monthly balance for each loan by taking the outstanding principal in Box 12, multiplying it by the number of months you had the loan, and dividing by 12. 

@Chris240