<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-1980-84521
**Date of Review:** 2025-07-21

This report summarizes the comprehensive underwriting review for the application submitted by Amanda Johnson. The request is for a New Home Purchase totaling $634,079.61. The specified purpose for the funds is: 'Position dog total raise list serve.'.

**Applicant Profile & Financials:**
The applicant, born 1966-06-03, currently resides at 152 Mark Lake Apt. 044, Danielburgh, NJ 00521, where they have lived for 71 months. Identity was cross-verified using the provided SSN suffix (****-6515). All communications have been directed to julie58@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $619,353.73. The primary credit bureau returned a score of 696. This results in a calculated debt-to-income (DTI) ratio of 32.00%. A review of liquid assets shows several accounts, including a Savings account at Dalton LLC with an average balance of $91,787.79 according to the statement dated 2025-06-29. 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 Commercial Real Estate with a reported value of $3,254,476.26. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (696) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.32) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 81 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-1980-84521",
  "applicant_details": {
    "name": "Amanda Johnson",
    "date_of_birth": "1966-06-03",
    "ssn_last_4_digits": "6515",
    "contact_info": {
      "email": "julie58@example.org",
      "phone_number": "652.303.2710"
    },
    "residential_history": [
      {
        "address": "152 Mark Lake Apt. 044, Danielburgh, NJ 00521",
        "duration_months": 71,
        "is_current": true
      },
      {
        "address": "973 Gray Village Suite 248, Williamsville, MO 72309",
        "duration_months": 70,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 634079.61,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Position dog total raise list serve.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 3254476.26,
        "lien_status": "Unencumbered"
      },
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 3028790.6,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-07-01"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 619353.73,
    "debt_to_income_ratio": 0.32,
    "credit_score": 696,
    "bank_accounts": [
      {
        "bank_name": "Dalton LLC",
        "account_type": "Savings",
        "average_monthly_balance_usd": 91787.79,
        "last_statement_date": "2025-06-29"
      },
      {
        "bank_name": "Flores Inc",
        "account_type": "Savings",
        "average_monthly_balance_usd": 64952.93,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Grant-Miller",
        "account_type": "Investment",
        "average_monthly_balance_usd": 92550.67,
        "last_statement_date": "2025-06-26"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (696) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.32) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 81,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-21"
}