"A lender can chose all the service providers, including the title company on both purchases and refis."
The lender can choose all the service providers unless the Bank is the seller, then they could not choose the title company. Also, the bank can choose all the service providers that are providing services to the bank. IMHO - The Bank would have no right to dictate what title company a borrower can purchase their OTI from as it does not involve the bank.
The opinions expressed are my own, take them or leave them.