incorrect default to standard deduction for 2024

Hello. Filing a joint return for 2024 using Home and Business. TT says the standard deduction of $32,300 is best (includes both of us over age 65) but I calculate over $43,000 in allowable interest, property tax, sales tax and monetary charitable contributions, even after limits on state and local tax and allowable mortgage interest. And I haven't even added contributions of goods to Goodwill, etc. I believe the problem is a refinanced home mortgage in 2021 after original purchase and home mortgage in 2015. In prior years, TT applied the appropriate limits on refinanced mortgage deductions, but this year maybe TT is disallowing 100% of mortgage interest for some reason. I'm answering the questions the same as I have in prior years. Can you please assist? Thank you.

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