A home loan or LAP file rarely lives with one bank from the first call to disbursal. The borrower may already have a login at one lender, a connector may have shared the papers with a second, and you may be trying a third because the rate or the policy fits better.
Keep one application, many lenders
The borrower, the property, and the KYC do not change every time the bank does. What changes is the ask: one lender wants six months of bank statements, another wants a different income format, a third is waiting on a valuation.
Put those asks on the same loan application. The status should say where that file stands with the lender you are actually working, and the notes should say which bank is next if this one declines.
Do not fork the documents
When the same PAN card and sale deed are sent three times from three phones, nobody knows which copy the bank has. Upload the papers once on the application. If a lender wants a revised page, add that file to the same record and say what changed.
Write the next step before you switch banks
Moving a file to another lender is not a fresh start. Before you do it, close or reschedule the follow-up for the current bank, and date the next call for the new one. Otherwise the old thread keeps buzzing in WhatsApp while the new file sits with no owner.
One application, a clear lender, and a dated next step is enough to run three banks without losing the borrower.