<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-2021-92533
**Date of Review:** 2025-08-07

This report summarizes the comprehensive underwriting review for the application submitted by Matthew Barnes. The request is for a New Home Purchase totaling $564,884.24. The specified purpose for the funds is: 'Likely scene just late huge herself.'.

**Applicant Profile & Financials:**
The applicant, born 1967-08-13, currently resides at 929 Yvonne Branch, East Jacobborough, GU 98826, where they have lived for 30 months. Identity was cross-verified using the provided SSN suffix (****-7430). All communications have been directed to dduncan@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $547,619.17. The primary credit bureau returned a score of 630. This results in a calculated debt-to-income (DTI) ratio of 55.00%. A review of liquid assets shows several accounts, including a Checking account at Adams, Morales and Russell with an average balance of $11,342.71 according to the statement dated 2025-06-14. 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 $8,316,660.09. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.55 is a moderate concern. Credit score of 630 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 70 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. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-2021-92533",
  "applicant_details": {
    "name": "Matthew Barnes",
    "date_of_birth": "1967-08-13",
    "ssn_last_4_digits": "7430",
    "contact_info": {
      "email": "dduncan@example.org",
      "phone_number": "8559606892"
    },
    "residential_history": [
      {
        "address": "929 Yvonne Branch, East Jacobborough, GU 98826",
        "duration_months": 30,
        "is_current": true
      },
      {
        "address": "9641 Jimenez Freeway, Ronaldfort, KS 62500",
        "duration_months": 13,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 564884.24,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Likely scene just late huge herself.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 8316660.09,
        "lien_status": "First_Lien"
      },
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 1747775.45,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-08-12"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 547619.17,
    "debt_to_income_ratio": 0.55,
    "credit_score": 630,
    "bank_accounts": [
      {
        "bank_name": "Adams, Morales and Russell",
        "account_type": "Checking",
        "average_monthly_balance_usd": 11342.71,
        "last_statement_date": "2025-06-14"
      },
      {
        "bank_name": "Ferguson LLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 67797.35,
        "last_statement_date": "2025-07-13"
      },
      {
        "bank_name": "Clay PLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 62357.92,
        "last_statement_date": "2025-06-22"
      },
      {
        "bank_name": "Wall-Long",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 51578.09,
        "last_statement_date": "2025-07-01"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.55 is a moderate concern. Credit score of 630 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 70,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months.",
      "Proof of hazard insurance for the subject property.",
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-07"
}