Document Checklist(s)

Hi all

I am looking for the best way to create a document tracking checklist that tracks all necessary documents in our loan origination process for EACH applicant that may be on the loan. There could be 1 applicant or there could be 5. We could have individuals or entitys on the loans as well. I need to be able to pull reporting on any documents that we still need to collect/haven't received yet. Any ideas on how i could go about setting this up? For instance, here are two examples of checklists that i would like to combine together.

https://publish.smartsheet.com/2af7969a279b4924894fecde6109cc9f

https://publish.smartsheet.com/21018795b44848898317c91a04983f5f

TIA!