Should I deal with my bank for my mortgage since I have been with them for years?

There is nothing further from the truth. Banks and their employees have no pull to offer one client a better rate than another. Having all of your "eggs in one basket" means your bank does not have to work to earn your business. This means they will not offer you 'the best' unless they are competing or they are at risk of losing your business. It's better to have your mortgage, investments, and day-to-day banking spread around in places that will take the best care of you and have the most experience dealing with your request. Bankers are required to be 'experts' at everything they offer (mortgages, bank accounts, investments, credit products etc.). They have heavy targets they need to meet monthly and yearly in all of these categories. Being an expert at all of these things is impossible, so the client's best interests are often not considered. It's better to have your mortgage, investments, and day-to-day banking spread around in places that will take the best care of you and have the most experience dealing with your request.