We have a mortgage loan on which we have given verbal conditional approval. The applicant's creditworthiness was not an issue, rather there were issues with loan closing conditions (issues with title). We have advised the applicant of those issues and he states that he is working toward resolving the issue. This loan has been in our pipeline for longer than I am comfortable. At a certain point, I believe we should consider this application as Approved Not Accepted for HMDA purposes, and deny the loan due to collateral issues for ECOA purposes. Is this correct? How long would you give the applicant to resolve these issues before taking action on the loan?