Yes. By law, the lender must provide the homeowner with a copy of the appraisal. This may be done at closing or the lender may forget to give you a copy. Since the lender hires the appraiser, all of the appraiser’s results (the appraisal) must go directly to the lender (or the appraiser’s client). Most of the time, the appraiser will not send you a copy of the appraisal report directly to you. It is the job of the lender to provide the borrower with a copy of the report.