This may be an issue with this lender only, check to make sure this is the only reason you are not being approved, note if you are in a Condo, Coop, or HOA that has a problem with late or non payment of Condo, Coop or HOA fees above a lender or Fanny or Feddy limit, you will have a real problem getting a refi done in that project. Push your Refi Lender a little harder to give you better information.
The PUD does not need an approval from any government agency except the building department.
What reason did the lender give you in writing. I would like to know in order to best help you with a refiancne.