Unless the last 3 mortgages were all though a local credit union the chances are that the true lender is not who you think it is. The servicer remaining constant is not a reliable indicator of anything.
It is. I do this for a living, we make all of our mortgages in our name.
Most are sold to Fannie or Freddie at some point after closing and we service them.
But if we screw up on something, we would have to keep the loan on our books.