As everyone learned in 2008, the bank that issues your initial mortgage may not keep it for very long. Banks sell bundles of mortgages, and the servicing of mortgages. Unquestionably, much improvement has come since the big meltdown. However, many big banks still aren’t complying with customer-service standards imposed in 2011. But it’s not all bad news. Although regulators have now restricted Wells Fargo, Chase, U.S. Bancorp, Santander Bank, EverBank Financial Corp. and HSBC Holdings; they’ve also lifted restrictions on 3 large banks that have made improvements.