I don't know that at all. Did the bank want an appraisal?
In this case, the lender is an insurance company and they wanted an appraisal. The appraiser then went to the construction site to see if there was a risk, for example from natural hazards, etc. However, the loan had already been approved for us subject to the appraisal.
But I must also say that, for example, our submitted "cost breakdown," which we prepared ourselves without a signature from the general contractor, was accepted without any inquiries. In general, few questions were asked, and the contact has been perfect so far.