Legal analysis: banks generally only do formal review of loan applications, and rarely do substantive review. As for marital status, banks can check the lender's credit report through the credit platform if they want. The credit report shows the marital status of both parties.

Legal basis: Article11of the Civil Code protects the personal information of natural persons according to law. Any organization or individual who needs to obtain other people's personal information shall obtain and ensure the information security according to law, and shall not illegally collect, use, process or transmit other people's personal information, or illegally buy, sell, provide or disclose other people's personal information.