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by hinkley 2692 days ago
It doesn't work that way. Mortgages get resold between banks all the time. You can walk into your local bank and get a house loan, and five months from now you'll get a business envelope from Wells Fargo informing you that you should send your checks to them now.

I would expect if WF decided your first loan met their purchasing criteria, your refinance would get the same treatment.