When to refinance, and who with

[Eric Mcginn]

I’m not sure where my question fits in or precisely how to explain it but I’m trying to decide if I want to refinance with a different local credit union for a slightly better rate / term. 

And if so, which of my 3 investment properties do I change banks with? 
Is there any reason to have all your mortgages and loans with the same bank or is there a reason to split it up? 
I’m sure everything will be dependent on situational specifics, and of course I’d first try to turn in my loans with the worse terms.
loans are 20-25 year commercial currently at 4-5% with 7year fix that’s almost up. New rate would be around 3.7% I’d have a lot of math to do to figure out pay off especially considering it’s still only locked for 7 years. But I’m wondering if there’s anything to be said about banking all at the same place vs different lenders