Why are refinanced mortgages quoted out w/ separate rates than regular mortages?

If I want to buy a house for $100k or refinance a $200k house with $100k left on the principal balance, why do the rates differ? I'd still be getting a mortgage for $100k either way, no?Why are refinanced mortgages quoted out w/ separate rates than regular mortages?
it depends on the loan to value. In the refi case you are looking at a 50% loan to value. In the purchase scenario you'ree asking 100% ffinancing.





Edit:


It depends on a lot of different things like,


Loan to value


Type of loan - FHA/VA or conforming.


Credit score


Loan amount


Purpose of the loan - Cash out, rate/term?


There are hits or adjustments depending on the things listed.


If you have a loan to value of 50% most if not all adjustments are void so you should have the same rate or slightly better than a purchase.