The mortgage company owns the appraisal even though the borrower paid for it. This is because the mortgage company orders the appraisal on the borrower's behalf, and the Appraiser lists that mortgage company on the report. The borrower does have the right to receive a copy; however it's the mortgage company's discretion to give the borrower the original appraisal report.
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Real Estate Broker – CA Department of Real Estate
License #01269597, NMLS #238166
5772 Bolsa Avenue, Ste 250
Huntington Beach, California 92649
Phone: (714) 901-2301