Reply To: Incomplete? or Denied?

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I would have a conversation with the lender to better understand why the file was “incomplete” – that might answer your questions or it might identify an area where training is needed.

I believe, technically, since the notice of incompleteness was sent you may report this as the action taken. Again, you may need to have a training session with the lender on what constitutes a denial vs incomplete application – your research with this file will determine that.