Who reports the w/d's and closed for incompleteness files if no credit decision was made, the broker or investor?

Person holding the application in my opinion reports it.

And if the credit decision WAS made, and then the application was withdrawn, the person who made the credit decision (be that the bank or the investor) reports it, right?

An application cannot be withdrawn after a credit decision has been made.

Right - so if the credit decision was made by the investor, and the applicant decides not to move forward for whatever reason, then the investor should report it approved not accepted, correct?

Or as a denial for an incomeplete application. If there was still underwriting conditions attached to the approval it cannot be approved, not accepted.

Our examiners also want documentation in the file showing the applicant was notified the loan was approved. Just fyi-