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The answer is state law dependent, and the best answer I can give is it depends.
Some application fees are just that, and are nonrefundable.
Others. called loan origination fees, are likely dependent on completing the loan transaction. They are typically withheld from the loan proceeds.
Your agreement will typically spell out what the fee is for, and under what circumstances it is refundable.
I want to look at state law to see if there might be clarity. One moment, please...
The origination fee is allowed to be nonrefundable in Utah, but it could be refundable. It depends on your loan agreement.
You might also have rights in your state which protect you and might allow you to pursue a remedy.
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