If a borrower receives a copy of an appraisal report from a mortgage lender, what does that imply about their status?

Receiving a copy of an appraisal report from a mortgage lender does not automatically designate the borrower as an intended user of that report. The term "intended users" specifically refers to those who are identified by the appraiser as the primary audience for the report, typically the lender or party that ordered the appraisal.

Even though the borrower receives a copy, this action is meant to keep them informed about the property's value as it relates to their mortgage application. The role of the borrower is primarily as a recipient of information rather than as someone who is directly involved in the appraisal process or defined within the parameters of the appraisal's intended use. This distinction emphasizes that just receiving the report does not grant them full rights typically associated with intended users, such as being able to use the report for other purposes.

In summary, while the borrower can access the appraisal, they do not become an intended user simply by receiving a copy, reinforcing the notion that their role is characterized more by observation than active participation.