<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-2023-29750
**Date of Review:** 2025-08-04

This report summarizes the comprehensive underwriting review for the application submitted by Maria Dixon. The request is for a Mortgage Refinance totaling $482,677.03. The specified purpose for the funds is: 'Represent them wish any all poor home help operation local recognize.'.

**Applicant Profile & Financials:**
The applicant, born 1974-03-23, currently resides at 25453 Angela Lodge, Christopherberg, MP 52661, where they have lived for 21 months. Identity was cross-verified using the provided SSN suffix (****-2764). All communications have been directed to steven63@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $101,268.34. The primary credit bureau returned a score of 659. This results in a calculated debt-to-income (DTI) ratio of 28.00%. A review of liquid assets shows several accounts, including a Money Market account at Wiley, Allen and Duran with an average balance of $47,233.72 according to the statement dated 2025-07-04. Market conditions have been stable, although we noted a slight dip in the index last Tuesday, which is considered immaterial to this assessment.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.28 is a moderate concern. Credit score of 659 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 70 out of 100.
**Final Decision:** Based on the factors outlined, the recommended action is **Approve with Conditions**. The system status for this application has been updated to 'Pending_Conditions'.
**Stipulations for Funding:**
1. Verification of employment for the last 24 months.
2. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-2023-29750",
  "applicant_details": {
    "name": "Maria Dixon",
    "date_of_birth": "1974-03-23",
    "ssn_last_4_digits": "2764",
    "contact_info": {
      "email": "steven63@example.net",
      "phone_number": "001-655-680-3273x60295"
    },
    "residential_history": [
      {
        "address": "25453 Angela Lodge, Christopherberg, MP 52661",
        "duration_months": 21,
        "is_current": true
      },
      {
        "address": "5863 Fox Mount Apt. 053, Lake Andreaside, IL 14334",
        "duration_months": 71,
        "is_current": false
      },
      {
        "address": "8317 Reyes Ports, Davidhaven, LA 31387",
        "duration_months": 25,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 482677.03,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Represent them wish any all poor home help operation local recognize."
  },
  "financial_summary": {
    "annual_income_usd": 101268.34,
    "debt_to_income_ratio": 0.28,
    "credit_score": 659,
    "bank_accounts": [
      {
        "bank_name": "Wiley, Allen and Duran",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 47233.72,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Morse Ltd",
        "account_type": "Savings",
        "average_monthly_balance_usd": 21010.39,
        "last_statement_date": "2025-07-01"
      },
      {
        "bank_name": "Ramirez-Clark",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 29825.16,
        "last_statement_date": "2025-06-18"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.28 is a moderate concern. Credit score of 659 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 70,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months.",
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-04"
}