Which of the following service providers is a mortgage loan originator permitted to require a...

According to RESPA (Regulation X), a borrower generally has the right to choose their own settlement service providers. However, the appraiser is selected by the lender (not the borrower), and the borrower is required to use the appraiser chosen by the lender to ensure appraisal independence and lender risk management.

“A lender may require the use of a particular appraiser to perform the appraisal for a loan.”

— RESPA, 12 CFR § 1024.2(b); Appraiser Independence Requirements