<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-2025-20681
**Date of Review:** 2025-08-01

This report summarizes the comprehensive underwriting review for the application submitted by Emily Price. The request is for a Mortgage Refinance totaling $814,300.49. The specified purpose for the funds is: 'She feeling military use find inside actually language.'.

**Applicant Profile & Financials:**
The applicant, born 1972-06-07, currently resides at 8864 Diane Corners, South Rhonda, IN 80716, where they have lived for 69 months. Identity was cross-verified using the provided SSN suffix (****-3872). All communications have been directed to gonzalesgina@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $223,248.69. The primary credit bureau returned a score of 561. This results in a calculated debt-to-income (DTI) ratio of 33.00%. A review of liquid assets shows several accounts, including a Checking account at Jackson-Hopkins with an average balance of $18,491.73 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.

**Collateral Assessment:**
The loan is to be secured by a Marketable Securities with a reported value of $1,652,250.26. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.33 is a moderate concern. Credit score of 561 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 73 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. Receipt of updated bank statements showing sufficient closing funds.
2. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-2025-20681",
  "applicant_details": {
    "name": "Emily Price",
    "date_of_birth": "1972-06-07",
    "ssn_last_4_digits": "3872",
    "contact_info": {
      "email": "gonzalesgina@example.com",
      "phone_number": "001-657-430-4652x4131"
    },
    "residential_history": [
      {
        "address": "8864 Diane Corners, South Rhonda, IN 80716",
        "duration_months": 69,
        "is_current": true
      },
      {
        "address": "74090 Russell Islands, East Christina, MN 73054",
        "duration_months": 20,
        "is_current": false
      },
      {
        "address": "4469 Trevor Walks, New Justinside, VA 94869",
        "duration_months": 56,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 814300.49,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "She feeling military use find inside actually language.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 1652250.26,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 223248.69,
    "debt_to_income_ratio": 0.33,
    "credit_score": 561,
    "bank_accounts": [
      {
        "bank_name": "Jackson-Hopkins",
        "account_type": "Checking",
        "average_monthly_balance_usd": 18491.73,
        "last_statement_date": "2025-06-22"
      },
      {
        "bank_name": "Perez and Sons",
        "account_type": "Investment",
        "average_monthly_balance_usd": 18820.48,
        "last_statement_date": "2025-07-11"
      },
      {
        "bank_name": "Jordan-Allen",
        "account_type": "Checking",
        "average_monthly_balance_usd": 92399.42,
        "last_statement_date": "2025-07-11"
      },
      {
        "bank_name": "Diaz PLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 33289.47,
        "last_statement_date": "2025-06-17"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.33 is a moderate concern. Credit score of 561 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 73,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-01"
}