When we bought this house, we did it long distance from southern California, through a realtor here and the financing and so forth handled through an agency here. When all was said and done, our mortgage was handed off (sold) to Well’s Fargo.
Now, at the time I had no grievance with WF, but over the years more and more upsetting reports of malfeasance, mistreatment of clients and accounts and so forth. Though we had no problems with them, so we finally got fed up.
So last Fall we refinanced. We had significant equity, and went with an institution with whom we also had savings, our credit reports look nice and it was a breeze, only requiring one in-person visit. Plus our payment went down because of better interest. A win for everyone (except the evil WF).