<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-2017-76424
**Date of Review:** 2025-08-02

This report summarizes the comprehensive underwriting review for the application submitted by Latoya Thompson. The request is for a New Home Purchase totaling $474,994.65. The specified purpose for the funds is: 'Seat watch page thank item red.'.

**Applicant Profile & Financials:**
The applicant, born 1957-12-21, currently resides at 84687 Williams Gateway, Rogerfurt, FM 84895, where they have lived for 45 months. Identity was cross-verified using the provided SSN suffix (****-4394). All communications have been directed to marksdustin@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $510,508.32. The primary credit bureau returned a score of 551. This results in a calculated debt-to-income (DTI) ratio of 65.00%. A review of liquid assets shows several accounts, including a Savings account at Wagner-Parker with an average balance of $53,023.70 according to the statement dated 2025-07-02. 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 $1,424,684.34. The most recent appraisal was conducted on 2025-07-03. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.65 is a moderate concern. Credit score of 551 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 62 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-2017-76424",
  "applicant_details": {
    "name": "Latoya Thompson",
    "date_of_birth": "1957-12-21",
    "ssn_last_4_digits": "4394",
    "contact_info": {
      "email": "marksdustin@example.org",
      "phone_number": "+1-234-758-9156"
    },
    "residential_history": [
      {
        "address": "84687 Williams Gateway, Rogerfurt, FM 84895",
        "duration_months": 45,
        "is_current": true
      },
      {
        "address": "26127 Flores Falls Apt. 097, Codystad, MT 25975",
        "duration_months": 28,
        "is_current": false
      },
      {
        "address": "Unit 6886 Box 9062, DPO AE 17383",
        "duration_months": 44,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 474994.65,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Seat watch page thank item red.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 1424684.34,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-07-03"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 2953103.99,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-07-13"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 510508.32,
    "debt_to_income_ratio": 0.65,
    "credit_score": 551,
    "bank_accounts": [
      {
        "bank_name": "Wagner-Parker",
        "account_type": "Savings",
        "average_monthly_balance_usd": 53023.7,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Aguirre Group",
        "account_type": "Checking",
        "average_monthly_balance_usd": 40996.44,
        "last_statement_date": "2025-06-24"
      },
      {
        "bank_name": "Fischer, Berg and Vasquez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 43141.43,
        "last_statement_date": "2025-06-30"
      },
      {
        "bank_name": "Lewis, Rodgers and Ortiz",
        "account_type": "Checking",
        "average_monthly_balance_usd": 40710.71,
        "last_statement_date": "2025-07-07"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.65 is a moderate concern. Credit score of 551 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 62,
    "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": "2025-08-02"
}