2. Correct only if the applicant requested the amount applied for on the disclosure, which I assume is the LE.
3. How can you send a CD to an applicant for a conditionally approved loan when you don't know the terms have been accepted?
The loan amount reported in the case of a denial is the original amount applied for.by the applicant. That would include withdrawals and conditionally approved loans where underwriting conditions were not met .
The amount for an Approved but Not Accepted would be the amount approved.
There is a chart in the 2023 GIR beginning on page 68 (PDF page 160) that covers the loan amount or you can refer to 1003.4(a)(7) and its Official Interpretation for the Covered Loan Amount.
(7) The amount of the covered loan or the amount applied for, as applicable.
The opinions expressed are mine and they are not to be taken as legal advice.