That’s why I used my institution.
Unless your bank gets bought out, etc...
Doesn’t matter how good you look, things can change.
My loan was with National Mortgage. It was almost across the street from me. Now this was 20+ years ago. Then after 12 years, and much expansion, they get bought out by Boatman’s Bank.
Two years later, they are bought out by Nations Bank. They ended the practice of people being able to pay their mortgage on site after 1 year. Two years later, they are bought out by Bank of America. BoA really sucked and caused me problems. I had to express mail my payment to prove it was received on time for 2 years.
Two years ago, I paid off the BoA and hopefully never have to do business with them again. But can you see that it is not always what you want?