A lot of things can make stars bloat. Focus, dew, seeing, clouds, guiding, quality of lenses, quality of filters, collimation, you name it. I would suggest first to look if it's a one-time issue or consistent in your images. If it only happens once in a while, there is nothing to worry about. It happens to all of us. Seeing is the most common issue, and sometimes there are high clouds too thin to tell in the dark but affect the image. If you shoot in a high-humidity environment, a dew-removing device is a must. If you consistently get big stars, I would suggest starting by examining the imaging train. The quality of the telescope lens is unfortunately an important factor as well. After all, there is a reason why top-tier refractors are so expensive.
Exposure is not so much a factor, in my opinion. You can get over-saturated stars by overexposing a frame but it doesn't necessarily make stars a lot bigger, at least not to a very noticeable extent. But that may also depend on your camera, I suppose.
And finally, there are ways to make stars smaller in post-processing. Many solutions are available in various software. But the most effective way is the new Bill Blanshan's method in PixInsight. It really works like magic! If you use PixInsight, you can watch this video to learn more:
https://www.youtube.com/watch?v=rM3-yAcAbZc&t=0s