appraisal is zero. Your bank is choosing the abstractor and the attorney? Sorry, most banks we work with allow shopping for those items so it's 10% or not a tolerance item at all. Gives the bank some wiggle room.
If the bank doesn't allow the borrower to shop for services, then it would be a 0 tolerance item.
Charges subject to zero tolerance: Fees paid to an unaffiliated third party if the creditor did not permit the consumer to shop for a third party service provider for a settlement service (§ 1026.19(e)(3)(ii)(C); Comment 19(e)(3)(i)-1.iv);