<prompt> Human: The loan officer at Citibank is a nice guy, but I dont know if I want to be a customer of a bank that defrauded so many people and hasnt really been punished or changed. It seems these days that all the banks have been up to something. Where can I go as a customer to vote with my money and support ethical business?Or, am I being stupid and I should just find the best ratesterms?  <response>: Your mortgage will likely be sold on the secondary mortgage market when its all said and done, so if you like your individual mortgage guy, go for it. Do look around for the best rates and terms. 