Im continuing a small payment monthly (escrow) of $11.90 to my mortgage company, it used to always code 3x ty points, for both march and April now it has coded 1x. I hold out hope it may resume at 3x as well, but for now im cancelling the large mortgage payment i have locked into 1.75% from the 2016 promo monthly. If the 3x on my test payment resumes I will allow the larger payment to post.