<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-1977-21617
**Date of Review:** 2025-07-24

This report summarizes the comprehensive underwriting review for the application submitted by Edward Larson. The request is for a New Home Purchase totaling $834,880.11. The specified purpose for the funds is: 'Different black arrive person.'.

**Applicant Profile & Financials:**
The applicant, born 1988-10-23, currently resides at 290 Page Parkway, Goodmanmouth, CA 30745, where they have lived for 70 months. Identity was cross-verified using the provided SSN suffix (****-2627). All communications have been directed to senglish@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $759,784.36. The primary credit bureau returned a score of 848. This results in a calculated debt-to-income (DTI) ratio of 29.00%. A review of liquid assets shows several accounts, including a Investment account at Dixon PLC with an average balance of $80,342.44 according to the statement dated 2025-06-29. 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 (848) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.29) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 91 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-1977-21617",
  "applicant_details": {
    "name": "Edward Larson",
    "date_of_birth": "1988-10-23",
    "ssn_last_4_digits": "2627",
    "contact_info": {
      "email": "senglish@example.net",
      "phone_number": "2564917180"
    },
    "residential_history": [
      {
        "address": "290 Page Parkway, Goodmanmouth, CA 30745",
        "duration_months": 70,
        "is_current": true
      },
      {
        "address": "46518 Matthew Village, Bushfort, NE 68009",
        "duration_months": 26,
        "is_current": false
      },
      {
        "address": "220 Hickman Streets, Heathburgh, TN 61180",
        "duration_months": 29,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 834880.11,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Different black arrive person."
  },
  "financial_summary": {
    "annual_income_usd": 759784.36,
    "debt_to_income_ratio": 0.29,
    "credit_score": 848,
    "bank_accounts": [
      {
        "bank_name": "Dixon PLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 80342.44,
        "last_statement_date": "2025-06-29"
      },
      {
        "bank_name": "Hancock-Ruiz",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 54146.07,
        "last_statement_date": "2025-07-10"
      },
      {
        "bank_name": "Thomas LLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 33931.3,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Cox, Gill and Anderson",
        "account_type": "Checking",
        "average_monthly_balance_usd": 67730.81,
        "last_statement_date": "2025-06-26"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (848) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.29) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 91,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-24"
}