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A creditor is required to provide a written list of the settlement service providers for which the creditor permits the consumer to shop for providers. Furthermore, a creditor may permit a consumer to shop for a settlement service provider if it permits the consumer to select the provider of the service, subject to reasonable requirements.
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Mortgage lenders can also be the mortgage servicer. If the lender is set up to handle deposits, such as a bank or financing company, the company can also service the loan.
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