Which of the following is not included in the definition of a complete application?

A complete application typically includes essential information necessary for the lender to assess the borrower's creditworthiness and the viability of the loan. Key elements such as the address of the subject property, the gross monthly income, and the name of the borrower all provide foundational data for evaluating the loan request.

The address of the subject property is critical as it helps define what property is being financed and facilitates the appraisal process. Gross monthly income is vital in determining the borrower’s ability to repay the mortgage. The borrower's name is essential for identifying the individual applying for the loan.

In contrast, while bank statements provide valuable insight into the borrower's financial health, they are not a fundamental part of defining a complete application. The requirement for recent bank statements may vary by lender and is often part of the documentation required later in the underwriting process rather than being included in the initial application. Therefore, the exclusion of the most recent two months of bank statements aligns with the components typically recognized as part of a complete application in the mortgage lending process.