I was seeking to refinance my home. I started working with XXXX company ( Loan Depot ) in CA. they ordered an appraisal which I paid for. just as the appraisal came in I was offered a much better deal by another financial service. I and the new financial company asked Loan Depot to transfer the appraisal. they are refusing saying they do n't do that. I paid for it. In addition they contacted my insurance carrier and informed them they would be servicing the loan even though I have informed that I no longer wished to proceed with their offer. I understand they are upset at losing my business but do n't I own the appraisal. just because they " would not accept another appraisal '' does not mean that it is legal or ethical to deny transfer. Please advise. 
