I don't think anyone is looking over $35 venmo payments and denying your mortgage application because you sent someone a payment for "vegan beard & motor oil"
That depends on their mood, really. It's why one of the commonly given advice for people planning a mortgage is to stop with stupid transfer titles. Also, the bank has plenty of options to make you miserable, other than outright denying you a loan. They can make it take longer, or give you worse options than you'd get otherwise.