The wife is in Delta Credit Union here. I tried to refinance with them, it was a complete hassle. They seemed uninterested. My originall loan was with Rocket and I went back to them through Schwab. That was super easy, the closing was done here in the condo. They have access to all my accounts. I've about paid it off anyway.
After I refinanced, rates plunged even lower. Dropped my monthly payment by about $400. If you can lock in a 30 year now, I'd do it, inflation seems certain fairly soonish.