Can Zoho Creator Apps have multiple actors and steps? Example

Can Zoho Creator Apps have multiple actors and steps? Example

Mortgage Application App- Outside party fills out form via published website form, Inside party approves for additional documentation, outside party recieved requests for x, y, and z documents.  Outside party submits x, y and z but z is wrong.  Inside party requests correction for Z, Outside party fixes z submission,
Inside party can now submit document package to mortage companies 1, 2, 3 for quote. Inside party gets back 3 quotes and send message to outside party with best offer and legal documents to sign (zoho sign). Document get's signed, deal registered, and  case closed.

I don't think Zoho can handle this type of back and forth of a business process, and deal with it securely. 

It seems to be just Form> Action> Close with some variation at the action level. I think some of these could be broken out to send out a new form link for the next step.  But it would be a mess.  I am I missing something?

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