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What does bank submission mean?

Are you asking about the submission for review in the bank’s mortgage loan approval process? Generally refers to the delivery of relevant loan materials.

The handling agency writes and submits the report for review.

Generally, after you go to the bank to apply for a mortgage and submit the materials, you will not immediately enter the approval process. In addition to sorting out the materials you provided, the bank's account manager will also check and print other ancillary information (such as the information of the defaulter). System query, personal detailed credit report, personal risk rating form, etc.), then write a review report and submit it to the reviewer for review - signed by the person in charge of the operating agency, and proceed with the follow-up process.