@GlytchMeister Even inquiries into your credit score that happen when you apply for a loan can ding your credit score. Whether the actual loan does will depend on all of the factors that create your credit score in the first place, debt to income ratio, number of open and closed accounts, payment history, etc.
@Embers
Bugger.
I figured, but I was kinda hoping refinancing might be different from getting a new loan in this context. Darn.