Where the CDC takes a deposit from the Applicant at application (limited to the lesser amount set in the SOP), it has a written agreement, kept in its file, providing for full refund within 10 business days of a decline (after any reconsideration), application to the processing fee on approval, and, on withdrawal before the SBA Terms and Conditions issue, deduction only of documented reasonable costs (never a percentage of the loan) with the balance returned within 10 business days.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.