It's been commonly said here and elsewhere that the chain of payment is SS to Title - lender rarely, if ever, got in the mix to make payment to the notary. My point was, by your statement - ""Is it really up to the lender, ..... Technically yes, " = makes moot the point that we do not chase lender - we only chase SS and/or Title for payment.
This goes back through numerous threads over the years here. So, based on this, when demanding payment, communication should be sent not only to SS (if applicable) but to Title and also to Lender.
JMO
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