I am reviewing a home loan purchase for HMDA that was approved with verification of homeowner's insurance. A 30-day conditioned approval letter was issued stating HO insurance was needed within 30 days or the loan application would be closed out after the 30 days stated in the letter. The borrower made no contact after this. On the 31st day the officer reached out to the borrower to see if he was ready to move forward with the loan and the borrower said no. Is this approved not accepted or closed incomplete?

Credit was approved subject to standard closing condition not related to credit, so I would say ABNA