I have a question about what action taken day I going to report. I deneid the loan on Feb 20, but not at feb 25 that I send the letter with the denial decition. What is the date to report on HMDA.

Your bank should pick one or the other and go w/that on a consistant reporting basis.

It is much easier to just report the date of your adverse action notice because loan officers don't ususally document when they actually made the credit decision. (In a perfect world, they might, but that's not here. )