No, she wouldn't be so small that you couldn't get it in. She could be nervous and tight, especially if it's her first time. She might have been well lubricated, but still nervous and tight.
it is also a possibility that she has an intact hymen that is getting in the way. Do you feel anything when you finger her? Is she comfortable? Have you experimented with other kinds of sex before now? Would she be nervous about parents walking in/ getting pregnant, etc? All these could cause nervousness.
But babies can fit through there, a penis is definitely not a problem.