I mortgaged my current home with USAA in 2006 seeing how their customer service is outstanding. Little did I know that they would sell my loan off to US Bank. US Bank was one thing after the other in regards to mishaps. They screwed up my escrow account and applied payment to my loan that wasn't for me. I called to investigate how I could have gained a payment they insisted that this was correct. No, a customer called raising the the red flag himself did not constitute further investigation according to US Bank. This misapplied payment caught up with me almost a year later and thank God I kept this payment in savings thinking that they had royally screwed up and were about to bend me over because of it. When I decided to refinance this year USAA said I didn't qualify because of debt to income ratio. My wife is staying home with our daughter to raise her and just my income looks shady on paper I suppose. The ultimate result is to lower my payment which makes me less of a risk??? Anyhow, blessing in disguise because my local bank that gave me my first mortgage was glad to take my business and KEEP my money rather than selling it off to one of the worst banks that I was forced to do business with, US Bank. BEWARE of US Bank.