<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-2022-96624
**Date of Review:** 2025-07-21

This report summarizes the comprehensive underwriting review for the application submitted by Theresa Blankenship. The request is for a Personal Loan totaling $951,769.29. The specified purpose for the funds is: 'Fund old heavy worry evidence would end.'.

**Applicant Profile & Financials:**
The applicant, born 1961-09-14, currently resides at 748 Shawn Fall Suite 491, Erikland, NM 53123, where they have lived for 53 months. Identity was cross-verified using the provided SSN suffix (****-8288). All communications have been directed to jgutierrez@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $578,645.71. The primary credit bureau returned a score of 579. This results in a calculated debt-to-income (DTI) ratio of 52.00%. A review of liquid assets shows several accounts, including a Savings account at Butler Group with an average balance of $20,330.31 according to the statement dated 2025-07-02. 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 $7,900,332.55. The most recent appraisal was conducted on 2025-05-27. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.52 is a moderate concern. Credit score of 579 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 68 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. Proof of hazard insurance for the subject property.
2. Satisfactory final appraisal report.
3. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-2022-96624",
  "applicant_details": {
    "name": "Theresa Blankenship",
    "date_of_birth": "1961-09-14",
    "ssn_last_4_digits": "8288",
    "contact_info": {
      "email": "jgutierrez@example.com",
      "phone_number": "(981)886-1604x273"
    },
    "residential_history": [
      {
        "address": "748 Shawn Fall Suite 491, Erikland, NM 53123",
        "duration_months": 53,
        "is_current": true
      },
      {
        "address": "63540 Fischer Forge Suite 045, Espinozaville, HI 18985",
        "duration_months": 67,
        "is_current": false
      },
      {
        "address": "960 Griffin Road Apt. 673, Cortezstad, MN 72797",
        "duration_months": 63,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 951769.29,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Fund old heavy worry evidence would end.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 7900332.55,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-05-27"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 578645.71,
    "debt_to_income_ratio": 0.52,
    "credit_score": 579,
    "bank_accounts": [
      {
        "bank_name": "Butler Group",
        "account_type": "Savings",
        "average_monthly_balance_usd": 20330.31,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Watts Ltd",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 83410.42,
        "last_statement_date": "2025-06-24"
      },
      {
        "bank_name": "Jefferson, Atkinson and Lynch",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 60050.91,
        "last_statement_date": "2025-07-12"
      },
      {
        "bank_name": "Daniels, Perry and Jones",
        "account_type": "Investment",
        "average_monthly_balance_usd": 24981.54,
        "last_statement_date": "2025-06-20"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.52 is a moderate concern. Credit score of 579 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 68,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property.",
      "Satisfactory final appraisal report.",
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-21"
}