Thank you all so much for the advice and information on lender differences and appraisal processes. I have to evaluate whether or not it's worth pursuing a new lender given what I've spent already. It's always good to stay informed and know what my options are.
It's been 2 months since my lock. The lender's been dragging their feet. My appraisal came back much higher than the amount being asked for refinance. I get no update from the the current lender, but meanwhile I find another lender with better rate and closing costs. Am I allowed to cancel the current refinance process and switch to another lender? Will my appraisal be transferrable to the new refinance process so that I don't lose the money I spent on it?