This got a lot harder with the rise of the Internet because what was fairly well-known became completely well-known so loaners started creating poison pill clau

This got a lot harder with the rise of the Internet because what was fairly well-known became completely well-known so loaners started creating poison pill clauses to try to stop it. And then once they moved to electronic billing a lot of them came up with the hostile options you mention. The couple of times I have refinanced mortgages, I explicitly checked this when choosing between offers.