<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-2019-46289
**Date of Review:** 2025-08-06

This report summarizes the comprehensive underwriting review for the application submitted by Melissa Fields. The request is for a New Home Purchase totaling $127,326.24. The specified purpose for the funds is: 'Mention man itself major stock language.'.

**Applicant Profile & Financials:**
The applicant, born 1972-06-11, currently resides at 21209 Taylor Station Suite 575, West Stacy, LA 11688, where they have lived for 26 months. Identity was cross-verified using the provided SSN suffix (****-8238). All communications have been directed to ballryan@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $280,065.06. The primary credit bureau returned a score of 624. This results in a calculated debt-to-income (DTI) ratio of 16.00%. A review of liquid assets shows several accounts, including a Checking account at Buchanan-Frank with an average balance of $39,741.35 according to the statement dated 2025-07-04. 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 Residential Property with a reported value of $8,304,380.62. The most recent appraisal was conducted on 2025-07-15. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (624) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.16) 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-2019-46289",
  "applicant_details": {
    "name": "Melissa Fields",
    "date_of_birth": "1972-06-11",
    "ssn_last_4_digits": "8238",
    "contact_info": {
      "email": "ballryan@example.org",
      "phone_number": "+1-561-259-8395x4578"
    },
    "residential_history": [
      {
        "address": "21209 Taylor Station Suite 575, West Stacy, LA 11688",
        "duration_months": 26,
        "is_current": true
      },
      {
        "address": "4654 Randall Corner Apt. 363, North Kara, PA 68646",
        "duration_months": 42,
        "is_current": false
      },
      {
        "address": "1080 Marshall Heights, East Sandratown, ID 95594",
        "duration_months": 36,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 127326.24,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Mention man itself major stock language.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 8304380.62,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-07-15"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 1293278.65,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-06-07"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 280065.06,
    "debt_to_income_ratio": 0.16,
    "credit_score": 624,
    "bank_accounts": [
      {
        "bank_name": "Buchanan-Frank",
        "account_type": "Checking",
        "average_monthly_balance_usd": 39741.35,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Chen, Lowe and Hull",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 90608.15,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Ford-Mckay",
        "account_type": "Savings",
        "average_monthly_balance_usd": 37975.1,
        "last_statement_date": "2025-06-26"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (624) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.16) 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": "2025-08-06"
}