I get them too. Our rates are great today. My credit is pretty awesome also. However, if I could refinance 2.99%, don't you think I would have done it? Marketing capabilities today are amazing, but beware because there are always vultures when money is involved.
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Read your mail carefully.
Just because the form lists your current lender's name, does not mean it is from your bank. If it looks like it is from the government or directly from FHA, it is actually illegal marketing. However, I get those same letters, every week! Until the CFPB (the cops of the mortgage community) can catch all the crooks, maybe your dog's growling is the best indicator of moral and fraud.