Sorry, these were bad assumptions about the specific numbers. Prior posts from others had me assuming information I should have not.
The point remains. You secured a loan based on your lender’s collateral risk assessment. After you agreed to their terms you’re seeking to punish the two appraisers that you disagreed with. If the appraisal came in at your contract price with an MC adjustment that you found lacks credibility, IMO you aren’t here.
State investigations are a big deal. Some states have shown a willingness to abuse their authority. If I made bad assumptions about your motivations, I apologize. Seems to me consumer protection is an easy cop out.
There are some top notch appraisers here, but nobody is bulletproof. I could tear into any one of their reports and find a flaw, maybe some inexplicable language or residue from a prior report, a poorly supported adjustment and/or one I could contradict, etc.... and so too they with one of mine.
Because of this I maintain the threshold for involving state regulators requires an attempt to mislead and/or a pattern of negligence. But a single adjustment? And honestly, if your not an intended user you don’t even basis for complaint IMO.