<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-1990-80455
**Date of Review:** 2025-08-01

This report summarizes the comprehensive underwriting review for the application submitted by Emily Patterson. The request is for a New Home Purchase totaling $824,798.50. The specified purpose for the funds is: 'Magazine institution either court not by many.'.

**Applicant Profile & Financials:**
The applicant, born 1991-12-19, currently resides at 0227 Brian Tunnel Suite 347, Derekberg, VI 70232, where they have lived for 60 months. Identity was cross-verified using the provided SSN suffix (****-1423). All communications have been directed to amycobb@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $922,500.91. The primary credit bureau returned a score of 575. This results in a calculated debt-to-income (DTI) ratio of 19.00%. A review of liquid assets shows several accounts, including a Money Market account at Crawford PLC with an average balance of $29,438.90 according to the statement dated 2025-06-22. 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 0.19 is a moderate concern. Credit score of 575 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 78 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. Satisfactory final appraisal report.
</data>
{
  "loan_application_id": "LLA-1990-80455",
  "applicant_details": {
    "name": "Emily Patterson",
    "date_of_birth": "1991-12-19",
    "ssn_last_4_digits": "1423",
    "contact_info": {
      "email": "amycobb@example.org",
      "phone_number": "(995)322-3144"
    },
    "residential_history": [
      {
        "address": "0227 Brian Tunnel Suite 347, Derekberg, VI 70232",
        "duration_months": 60,
        "is_current": true
      },
      {
        "address": "8428 Sierra Tunnel Apt. 763, South James, CA 84826",
        "duration_months": 38,
        "is_current": false
      },
      {
        "address": "96407 Smith Drive Apt. 671, West Martha, PA 83679",
        "duration_months": 64,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 824798.5,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Magazine institution either court not by many."
  },
  "financial_summary": {
    "annual_income_usd": 922500.91,
    "debt_to_income_ratio": 0.19,
    "credit_score": 575,
    "bank_accounts": [
      {
        "bank_name": "Crawford PLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 29438.9,
        "last_statement_date": "2025-06-22"
      },
      {
        "bank_name": "Sanchez Group",
        "account_type": "Checking",
        "average_monthly_balance_usd": 28147.8,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Morton LLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 32397.73,
        "last_statement_date": "2025-06-26"
      },
      {
        "bank_name": "Crawford, Diaz and Ross",
        "account_type": "Investment",
        "average_monthly_balance_usd": 28149.74,
        "last_statement_date": "2025-06-27"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.19 is a moderate concern. Credit score of 575 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 78,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-01"
}