You can call your lender's 800 number and ask. They usually try to keep their books balanced annually so if you had a shortfall, they'd ask for additional funds; in this case you must have overpaid, and they're sending you a refund. You can always cash it and deposit it back in.... more
What was the specific reason for your denial. Wells Fargo offer loans for purchases with credit scores as low as 500. It would be best to discuss your situation in detail to determine the exact reason for denial. Please feel free to contact me directly and I can help you with the particulars.
I have a lender I use on a regular basis - she is with Prosperity Mortgage who is Wells Fargo - if you want to email me at email@example.com I will give you her contact info - maybe she can help you out.