My question is don't you set a restriction on the account that is eligible to receive loan from you?
If yes then you just have to ignore such users since you have already sets your restrictions and besides this same user requesting a loan from another separate lenders without being finalized on the Initial request doesn't shows a good representation or interpretation.
I believe you have your rules and regulations so if he or she doesn't meet your requirements then you or even violate the rules the best option is to formally put such user on the ignore list.