Which potential outcome indicates that a loan will not be granted at all?

Declining the loan application clearly signifies that the lender has determined the borrower does not meet the necessary criteria for a loan, which ultimately leads to the decision not to grant the loan at all. This outcome indicates that key aspects such as creditworthiness, income verification, or other financial evaluations were unfavorable, resulting in a rejection of the request.

In contrast, amending the loan terms suggests the possibility of modification rather than outright denial, indicating that there may still be a chance for the loan to be approved under different conditions. Approving the loan with conditions implies that while the borrower is not fully qualifying as per standard terms, they may still receive support if they can meet certain requirements in the future. Lastly, approving the loan outright means the lender is ready to proceed with granting the funds. Therefore, among the options presented, declining the loan application is the only outcome that definitively indicates a loan will not be granted.