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Notice Date and Letter Date for Denial

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It is my understanding that we have 30 days to notify the customer of our loan decision when denying the request. My question is, does the letter date have to reflect the same date of denial? I had a loan officer deny a mortgage loan within three days of application to avoid early disclosure requirements, but then the application was re-activated and the lender made a second decision with a later date. This second decision date makes the denial notice reflect more than three days from the application date. Any advice?

If I'm following this correctly the date the application was reactivated would be the application date for that request.

First published on 09/20/2020

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