Went to take out a home equity line of credit, went to the local banks as well as Chase, ended up with CBT, at the time they offered the 'best' option. now this was an adjustable rate loan and when the interest rates went up, i decided to pay off, right after the 3 year time limit to avoid the above mentioned costs. I would always deal locally for home equity lines of credit.
On a side note, i think I had to provide MORE documentation for this loan than I did for the original mortgage! Also, Chase was really annoying, even tough I had a long term Chase charge account, I was treated as if they never heard of me.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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