<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-1976-37919
**Date of Review:** 2025-07-25

This report summarizes the comprehensive underwriting review for the application submitted by Lisa Powell. The request is for a New Home Purchase totaling $961,973.65. The specified purpose for the funds is: 'Deal thus front paper something quality according move.'.

**Applicant Profile & Financials:**
The applicant, born 1997-04-01, currently resides at Unit 1023 Box 4353, DPO AP 75946, where they have lived for 56 months. Identity was cross-verified using the provided SSN suffix (****-5223). All communications have been directed to lauren83@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $133,763.22. The primary credit bureau returned a score of 774. This results in a calculated debt-to-income (DTI) ratio of 47.00%. A review of liquid assets shows several accounts, including a Checking account at Mcdaniel-Roberts with an average balance of $84,820.39 according to the statement dated 2025-06-24. 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 $2,844,444.25. The most recent appraisal was conducted on 2025-06-12. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.47 is a moderate concern. Credit score of 774 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 74 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. Proof of hazard insurance for the subject property.
3. Satisfactory final appraisal report.
</data>
{
  "loan_application_id": "LLA-1976-37919",
  "applicant_details": {
    "name": "Lisa Powell",
    "date_of_birth": "1997-04-01",
    "ssn_last_4_digits": "5223",
    "contact_info": {
      "email": "lauren83@example.com",
      "phone_number": "977-416-7874x05208"
    },
    "residential_history": [
      {
        "address": "Unit 1023 Box 4353, DPO AP 75946",
        "duration_months": 56,
        "is_current": true
      },
      {
        "address": "67276 Stevens Wells, Michaelfort, OR 76845",
        "duration_months": 56,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 961973.65,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Deal thus front paper something quality according move.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 2844444.25,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-12"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 9294147.05,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-06-08"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 133763.22,
    "debt_to_income_ratio": 0.47,
    "credit_score": 774,
    "bank_accounts": [
      {
        "bank_name": "Mcdaniel-Roberts",
        "account_type": "Checking",
        "average_monthly_balance_usd": 84820.39,
        "last_statement_date": "2025-06-24"
      },
      {
        "bank_name": "Hood-Brown",
        "account_type": "Investment",
        "average_monthly_balance_usd": 61167.49,
        "last_statement_date": "2025-06-21"
      },
      {
        "bank_name": "Dunn, Salazar and Martinez",
        "account_type": "Investment",
        "average_monthly_balance_usd": 13651.47,
        "last_statement_date": "2025-07-13"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.47 is a moderate concern. Credit score of 774 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 74,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months.",
      "Proof of hazard insurance for the subject property.",
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-25"
}