I would do this, but we dropped Country Wide mortgage in 2003, and refinanced with a very small, very local bank which doesn’t resell mortgages, nor participate in sub-prime shenanigans. They’ve got three branches total. I can’t see any gain in hurting them. But if not for this, I’d do it.
Same with us. We had our mortgage with a very responsible bank whose rating remained 5 stars through this entire debacle. I spoke with a loan officer there just to find out what shape the bank was in and she told me they had plenty of money to lend. Our rates were always fair and they were always upfront with us, so I would not feel right in penalizing them when they weren’t part of the problem.