When an appraisal report is completed and a mortgage loan originator (MLO) notices that the owner of record on the appraisal report does not match the borrower on the refinance loan application, which of the following documents should the MLO review to verify the correct property ownership?

The mortgage application contains information about the borrower and the loan request but does not provide conclusive evidence of property ownership. While it may list the intended property, it does not confirm who holds the title, making it insufficient for verifying ownership discrepancies.

A homeowner's insurance policy outlines coverage for the property but is not a definitive source for verifying ownership. The policy may name the insured, but it does not establish legal ownership or indicate discrepancies with the borrower listed on the refinance loan application.

A Suspicious Activity Report is filed when a financial institution detects potentially suspicious activity, often related to fraud or money laundering. While it may be relevant in specific cases of concern, it does not serve as a document for verifying property ownership and would not address the issue of mismatched ownership on the appraisal report.