<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-2017-72891
**Date of Review:** 2025-07-30

This report summarizes the comprehensive underwriting review for the application submitted by Jesse Reid. The request is for a Mortgage Refinance totaling $490,635.24. The specified purpose for the funds is: 'Entire career participant back recent short make recently wait herself.'.

**Applicant Profile & Financials:**
The applicant, born 1959-10-26, currently resides at Unit 1723 Box 6088, DPO AA 18963, where they have lived for 52 months. Identity was cross-verified using the provided SSN suffix (****-9035). All communications have been directed to jvincent@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $561,751.31. The primary credit bureau returned a score of 800. This results in a calculated debt-to-income (DTI) ratio of 31.00%. A review of liquid assets shows several accounts, including a Checking account at Anderson, Bailey and Russell with an average balance of $85,562.68 according to the statement dated 2025-07-08. 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 $5,187,813.99. The most recent appraisal was conducted on 2025-08-08. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (800) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.31) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 87 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-2017-72891",
  "applicant_details": {
    "name": "Jesse Reid",
    "date_of_birth": "1959-10-26",
    "ssn_last_4_digits": "9035",
    "contact_info": {
      "email": "jvincent@example.org",
      "phone_number": "+1-375-632-1788"
    },
    "residential_history": [
      {
        "address": "Unit 1723 Box 6088, DPO AA 18963",
        "duration_months": 52,
        "is_current": true
      },
      {
        "address": "40698 Angelica Manor Suite 727, Watsonberg, DE 98760",
        "duration_months": 54,
        "is_current": false
      },
      {
        "address": "3858 Shelley Rapids, New Raymond, TX 44790",
        "duration_months": 59,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 490635.24,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Entire career participant back recent short make recently wait herself.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 5187813.99,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-08-08"
      },
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 9358600.01,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-27"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 561751.31,
    "debt_to_income_ratio": 0.31,
    "credit_score": 800,
    "bank_accounts": [
      {
        "bank_name": "Anderson, Bailey and Russell",
        "account_type": "Checking",
        "average_monthly_balance_usd": 85562.68,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Bartlett-Schneider",
        "account_type": "Investment",
        "average_monthly_balance_usd": 40562.78,
        "last_statement_date": "2025-07-01"
      },
      {
        "bank_name": "Coleman-Strickland",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 29635.32,
        "last_statement_date": "2025-06-18"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (800) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.31) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 87,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-30"
}