What's our decision for HMDA?

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Question:

We have a purchase mortgage application that was approved with all underwriting conditions met. In review of the title run it was discovered the seller could not convey a clear title to the property. We did send the borrower a Notice of Action for Incomplete Application giving 10 days for clear title to be received. For HMDA purposes would the Action Taken be Approved Not Accepted or Denial?

Answer:

Being able to get clear title is a customary closing condition - Approved but Not Accepted.