Tax liens, judgments, etc would affect the ability to get clear title. So I would agree clearing those items would fall in the "customary" column and if a conditional approval was provided then for HMDA purposes it would be an approved but not accepted.
However, for Reg B purposes you have a denial due to collateral and need to send an AAN. You wouldn't agree to make the loan as applied for without the property liens being satisfied.
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The opinions expressed are mine and they are not to be taken as legal advice.