certainly, in all 3 cases, the question to whether you refinanced is "no". a servicing transfer is NOT a refinance.
Start there.
And if there is still no mortgage deduction, something else is wrong.
I would focus on the 1st 1098 and delete the other 2 until the 1st one works. there must be another question that you are answering incorrectly; it may not be on the 1098 itself.
is it possible that when only the 1st 1098 is included your total deductions available to itemize is lower than the standard deduction, so TT doesn't itemize at all, but rather takes the standard deduction? Once you add in the 2nd and 3rd 1098s it may switch to itemizing. that is just a thought.
