You asked if this is 'legal', but this is one of those issues that isn't directly addressed in our state law, presumably because the law can't anticipate every type of situation where we're going to be asked to do something inappropriate. This is a matter of interpretation and a little common sense. I would have done exactly the same thing as you if the hyphenated name wasn't on the ID, since she hasn't provided 'satisfactory evidence' for that AKA.
This should have been addressed way before docs were drawn, so it sounds like lender is trying to get you to fix their oversight. There are other ways this can be handled, so stick to your guns.
BTW, if this was a full loan signing and all docs were drawn that way, I'd probably have called title from the table as soon as I saw ID that didn't support docs as drawn.
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