I am curious what banks people are using. I use Wachovia because it is close, and I get deals through the workplace. I'm getting the mortgage from Chase Manhattan because it is a trillion dollar bank. You can fit 100 Wachovias inside of Chase. Do you use a big bank, a small bank, or no bank, credit union? The reason I went with Chase for the mortgage is because they beat the best deal offered by Wachovia. How can they do this? They have a lot of money and can afford to trim costs in order to attract costumers.