Which of the following documents would NOT be necessary for a successful loan application?

In the context of a loan application, certain documents are crucial for assessing a borrower's creditworthiness and ensuring they can repay the loan. Verification of Employment (VOE), Verification of Deposit (VOD), and a credit report all play significant roles in this process. The VOE confirms that the borrower is employed and can provide a steady income, while the VOD helps lenders verify that the borrower has sufficient funds and financial stability. The credit report evaluates the borrower's credit history and overall risk level.

On the other hand, a transfer tax application is not typically required for the loan approval process. This document is related to the transfer of property ownership and the associated tax implications, rather than the borrower's financial qualifications for a loan. Therefore, it would not be necessary for a successful loan application. Understanding the purpose and function of each document helps clarify why the transfer tax application does not fit into the essential requirements for a loan application.