<format type="json">{loan_application_id: string, applicant_details: {name: string, date_of_birth: date, ssn_last_4_digits: string, contact_info: {email: string, phone_number: string}, residential_history: list[{address: string, duration_months: number, is_current: boolean}]}, loan_request: {amount_requested: number, loan_type: string, loan_purpose: string optional, collateral: list[{asset_type: string, estimated_value: number, lien_status: string, appraisal_date: date optional}] optional}, financial_summary: {annual_income_usd: number, debt_to_income_ratio: number, credit_score: number, bank_accounts: list[{bank_name: string, account_type: string, average_monthly_balance_usd: number, last_statement_date: date}]}, risk_assessment: {underwriter_notes: string, risk_score_out_of_100: number, recommended_action: string, conditions_for_approval: list[string] optional}, application_status: string, underwriting_date: date}</format> <data>**CONFIDENTIAL: UNDERWRITING ASSESSMENT REPORT**

**File Reference:** LLA-1993-27785
**Date of Review:** 2025-07-31

This report summarizes the comprehensive underwriting review for the application submitted by Diana Robinson. The request is for a New Home Purchase totaling $803,696.23. The specified purpose for the funds is: 'Affect can and generation news avoid card defense wish deal magazine.'.

**Applicant Profile & Financials:**
The applicant, born 1969-05-25, currently resides at 06392 Jennifer Lakes, Lake Theresa, IA 94071, where they have lived for 25 months. Identity was cross-verified using the provided SSN suffix (****-9175). All communications have been directed to ievans@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $262,821.96. The primary credit bureau returned a score of 804. This results in a calculated debt-to-income (DTI) ratio of 30.00%. A review of liquid assets shows several accounts, including a Savings account at Cook LLC with an average balance of $15,226.06 according to the statement dated 2025-06-18. Market conditions have been stable, although we noted a slight dip in the index last Tuesday, which is considered immaterial to this assessment.

**Collateral Assessment:**
The loan is to be secured by a Marketable Securities with a reported value of $7,043,557.92. The most recent appraisal was conducted on 2025-07-29. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (804) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.3) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 88 out of 100.
**Final Decision:** Based on the factors outlined, the recommended action is **Approve with Standard Terms**. The system status for this application has been updated to 'Approved'.
</data>
{
  "loan_application_id": "LLA-1993-27785",
  "applicant_details": {
    "name": "Diana Robinson",
    "date_of_birth": "1969-05-25",
    "ssn_last_4_digits": "9175",
    "contact_info": {
      "email": "ievans@example.com",
      "phone_number": "+1-894-264-3518x284"
    },
    "residential_history": [
      {
        "address": "06392 Jennifer Lakes, Lake Theresa, IA 94071",
        "duration_months": 25,
        "is_current": true
      },
      {
        "address": "155 Cunningham Squares, Nicolestad, RI 36249",
        "duration_months": 19,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 803696.23,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Affect can and generation news avoid card defense wish deal magazine.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 7043557.92,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-07-29"
      },
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 7147620.49,
        "lien_status": "Second_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 262821.96,
    "debt_to_income_ratio": 0.3,
    "credit_score": 804,
    "bank_accounts": [
      {
        "bank_name": "Cook LLC",
        "account_type": "Savings",
        "average_monthly_balance_usd": 15226.06,
        "last_statement_date": "2025-06-18"
      },
      {
        "bank_name": "Reed, Russell and Benton",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 12128.63,
        "last_statement_date": "2025-06-29"
      },
      {
        "bank_name": "Caldwell-Suarez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 30485.59,
        "last_statement_date": "2025-06-30"
      },
      {
        "bank_name": "Ferguson-Ferguson",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 57504.22,
        "last_statement_date": "2025-06-24"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (804) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.3) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 88,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-31"
}