Get the name of the Manager. You have enough to do at escrow just signing your loan docs. If you see the letters, P.O.C.' it means the Mortgage Broker is getting paid something in addition to their Loan Origination Fee. If you have a problem, go to the Manager and complain vigorously. If you are right and if you are insistent about not signing loan docs until they are correct, they will correct the error rather than deal with the mess you can create with their Regulators.
Most people have a benign relationship with their mortgage.
The coupon comes every month and they just pay what it says to. They do not remember what the rate is and if it's an ARM, they are only dimly conscious of the variations. Every year Lenders make millions of dollars of profit off of people who weren't aware that somewhere along the line they could have re-fied into a lower cost loan. Write down the key features of your loan and pay attention to the market. If you find a lender you can trust, ask him to keep you informed of developments which could be of benefit to you.