<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-2009-91138
**Date of Review:** 2025-07-26

This report summarizes the comprehensive underwriting review for the application submitted by Kenneth Allen. The request is for a New Home Purchase totaling $876,108.71. The specified purpose for the funds is: 'Federal whatever experience dog unit phone entire per use.'.

**Applicant Profile & Financials:**
The applicant, born 1985-02-21, currently resides at USNS Rowe, FPO AP 51392, where they have lived for 59 months. Identity was cross-verified using the provided SSN suffix (****-0865). All communications have been directed to savannah56@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $869,534.59. The primary credit bureau returned a score of 846. This results in a calculated debt-to-income (DTI) ratio of 40.00%. A review of liquid assets shows several accounts, including a Money Market account at Larson, Gray and Valenzuela with an average balance of $68,840.86 according to the statement dated 2025-07-13. Market conditions have been stable, although we noted a slight dip in the index last Tuesday, which is considered immaterial to this assessment.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (846) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.4) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 87 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-2009-91138",
  "applicant_details": {
    "name": "Kenneth Allen",
    "date_of_birth": "1985-02-21",
    "ssn_last_4_digits": "0865",
    "contact_info": {
      "email": "savannah56@example.net",
      "phone_number": "001-523-822-7000x9233"
    },
    "residential_history": [
      {
        "address": "USNS Rowe, FPO AP 51392",
        "duration_months": 59,
        "is_current": true
      },
      {
        "address": "4239 Brian Drive Apt. 775, South Charlesmouth, NV 69113",
        "duration_months": 62,
        "is_current": false
      },
      {
        "address": "85342 Kristi Valleys, Hallbury, MP 64092",
        "duration_months": 23,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 876108.71,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Federal whatever experience dog unit phone entire per use."
  },
  "financial_summary": {
    "annual_income_usd": 869534.59,
    "debt_to_income_ratio": 0.4,
    "credit_score": 846,
    "bank_accounts": [
      {
        "bank_name": "Larson, Gray and Valenzuela",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 68840.86,
        "last_statement_date": "2025-07-13"
      },
      {
        "bank_name": "Grant, Conner and Hill",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 82898.14,
        "last_statement_date": "2025-06-24"
      },
      {
        "bank_name": "Morrison Inc",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 24484.39,
        "last_statement_date": "2025-06-26"
      },
      {
        "bank_name": "Phillips-Santos",
        "account_type": "Checking",
        "average_monthly_balance_usd": 55779.08,
        "last_statement_date": "2025-07-01"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (846) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.4) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 87,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-26"
}