I just renewed my mortgage for a second 5-year term with Merix. I'm honestly very pleased with them. I pay on time bi-weekly and they never harass me or try to sell me other products. When I renewed, they gave me an even lower rate than the one I had previously (and lower than their current rate). I have a clean credit score and I did not have any co-signer on my mortgage. Actually, when I first applied for my mortgage, TD and Merix were giving the same lowest rate. But unlike Merix, TD was putting lots of conditions that I had to meet which is why I chose Merix in the end. They could see my strong credit rating and the fact that I was putting down a substantial downpayment and they made it super easy for me.
I should add that the big banks really don't care that much about loyalty, as someone tried to say below. They're looking for fresh meat - so they'll offer you all they can to get you on board but you're just another number to them once they get you. Merix impressed me when it came time to renew my mortgage; instead of sending me a form letter, they called me personally to discuss my options and I was able to deal with everything over e-mail, directly with my representative. Great customer service all around; I'll keep sticking with them if they keep giving me great rates such as this.