The application could only be completed for the borrower in a face to face interview.
All the pertinent information necessary to proceed to determine if the applicant qualifies for a loan should show on the application.
The applicant signs the 1003 to indicate that the information contained therein is true and correct. If information is missing, it cannot be attested to.
Verification docs, including the credit bureau, VERIFY information gathered on the application. Most borrowers never see the full credit bureau so, imo, you're taking a risk by not having them state their liabilities and then comparing it to the cbr.
Are your LOs going to say that they don't need income or employment info because it's on the VOE? Sounds like they're just being lazy.