Yeah, that’s the rub, isn’t it. I would have asked the person you are replying to “what is that fabled institution?” (I still want to know though) - but the problem is two-fold: first, it’s not like I can just take my mortgage with me and change banks, and second, the banks seem to change hands, or they sell mortgages to other banks. So even if you do your due-diligence, (which I did I assure you, there was a reason I went with that bank, since it had a relationship with my employer and offered preferential rates), over last X years the bank went under new management and situation changed dramatically :(
