If our mortgage loan was sold/transferred to a new lender is that considered a refinance?

[thets2017]

if our mortgage loan was sold/transferred from one lender to a new lender is that considered a refinance?

[Bsch4477]

No it is not a refinance. 

[xmasbaby0]

It is common for lenders to sell loans to other lenders.   That is not a re-finance.   However, pay attention when the lender sends out the 1098's in late January or early February.   You might get one from each lender, depending on when in 2022 the old lender sold the loan to the new lender.

[NCperson]

@thets2017 a refinance would be when you go back to a mortgage company (or Bank) and borrower money to pay off the current mortgage.  Normally people do that when the interest rates in the current market are significantly below the interest rate on the mortgage you currently have.  

As stated by others, changing who you make the payments to each month is not the same thing.  It's the same mortgage with the same payment going to a different firm each month.