If an application is approved, but before the loan can close the applicant becomes deceased, would it be considered withdrawn or approved,not accepted?

You've already approved it but for whatever reason, it was approved not accepted.

That's what I figured...thanks!

Bringing this one back due to a situation where no credit decision had been made as they died unexpectedly a few days after they had applied. Can't be withdrawn or an approved but not accepted. It is really incomplete, but the notice of incompleteness had not been sent that is required in order to report the loan as such. So which action taken to be reported in this scenario???

I would note on the file the date that he died and report as withdrawn.

Probably one of those that you want to set a procedure and stick with it -- that is if this is becoming a routine issue.

Even though a notice of incompleteness had not been sent?
Thanks!

It's not the act of sending the notice that makes something incomplete. You can't send a notice to a dead person. I'd document the file and mark it withdrawn, even tho it's really the bank that's withdrawing it due to the applicant's demise.