I do not feel you have an AfBA in this circumstance. Your bank (I assume) has no business interest in the appraisal company and vice-a-versa, nor do you have any “business agreement” that X number of your appraisals are to be ran through that company. As I understand the AfBA, it is to guard against affiliates unfairly benefiting by referring business to an “affiliate” and to advise the borrower the “referrer’ has a business and financial interest with the “affiliate” they are referring the borrower to.
The only thing I may consider guarding against is 100% of the loan officer’s appraisals going to this company. This might, and repeat might, be construed as a “conflict of interest” since, in the long run, he/she will benefit from the increased income of his/her new spouse.
I also agree with rclary’s comments about, “all my eggs in one basket”.
The opinions expressed are mine and they are not to be taken as legal advice.