This is an Turbo Tax error that other users have reported when the new mortgage is over $750K and sold to another bank and has not been fixed as far as I know. You are correct in getting around this error by entering one 1098 as one continuing loan. Be sure to check both "This is a new loan on which I paid points (origination fees) in 2023" box and the "I bought or improved my main home with this loan in 2023" box on the "Tell us about any points" page in order to deduct all points (limited) this year instead of spreading them out.
