My father and step-mother both are mortgage underwriters. One is currently still underwriting, the other is currently working for the GSEs (Fannie and Freddie) forcing several large banks to eat the shitty mortgages they pushed on them.
I can not even begin to tell you how poorly managed these large servicers are. But heh, keep on thinking they know what they're doing. If they service your mortgage, I encourage you to keep a very careful on your note.