In a refinance they are trying to justify what you hope to refinance the property at and that is why they ask what you need to come in at. They are asking that to help you. If they can't justify that amount to the bank they won't, but they are not going to go over what you need it to come in at because that adds unnecessary risk to them and the bank.
Most appraisals should be done electronically and will go this way eventually.