Whoever (as an independent party) is in charge of appraisal review should be asking such a question, as depending on the answer, it could be a flawed appraisal. The loan officer should not have direct contact with the appraiser. From the guidelines:
An institution should establish reporting lines independent of loan production for staff who administer the institution's collateral valuation program, including the ordering, reviewing, and acceptance of appraisals and evaluations.
an institution should be able to demonstrate clearly that it has prudent safeguards to isolate its collateral valuation program from influence or interference from the loan production process
An institution's policies and procedures should specify methods for communication that ensure independence in the collateral valuation function.
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