<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-2001-29295
**Date of Review:** 2025-08-04

This report summarizes the comprehensive underwriting review for the application submitted by Autumn Reyes. The request is for a Mortgage Refinance totaling $686,111.40. The specified purpose for the funds is: 'Current letter thank need great where wish however.'.

**Applicant Profile & Financials:**
The applicant, born 1969-02-15, currently resides at 361 Carlson Fork, South Justinshire, AZ 52407, where they have lived for 13 months. Identity was cross-verified using the provided SSN suffix (****-6725). All communications have been directed to nataliemann@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $771,972.95. The primary credit bureau returned a score of 758. This results in a calculated debt-to-income (DTI) ratio of 59.00%. A review of liquid assets shows several accounts, including a Savings account at Hull LLC with an average balance of $24,886.68 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 $1,025,288.58. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.59 is a moderate concern. Credit score of 758 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 76 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. Satisfactory final appraisal report.
3. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-2001-29295",
  "applicant_details": {
    "name": "Autumn Reyes",
    "date_of_birth": "1969-02-15",
    "ssn_last_4_digits": "6725",
    "contact_info": {
      "email": "nataliemann@example.org",
      "phone_number": "3236681915"
    },
    "residential_history": [
      {
        "address": "361 Carlson Fork, South Justinshire, AZ 52407",
        "duration_months": 13,
        "is_current": true
      },
      {
        "address": "23535 Tate Springs Apt. 892, Reeseton, MT 76568",
        "duration_months": 48,
        "is_current": false
      },
      {
        "address": "383 Brent Falls, South Garrettstad, IA 20261",
        "duration_months": 31,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 686111.4,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Current letter thank need great where wish however.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 1025288.58,
        "lien_status": "Unencumbered"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 771972.95,
    "debt_to_income_ratio": 0.59,
    "credit_score": 758,
    "bank_accounts": [
      {
        "bank_name": "Hull LLC",
        "account_type": "Savings",
        "average_monthly_balance_usd": 24886.68,
        "last_statement_date": "2025-06-22"
      },
      {
        "bank_name": "Gutierrez Inc",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 15659.11,
        "last_statement_date": "2025-06-14"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.59 is a moderate concern. Credit score of 758 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 76,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Satisfactory final appraisal report.",
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-04"
}