<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-2016-99256
**Date of Review:** 2025-07-15

This report summarizes the comprehensive underwriting review for the application submitted by Lisa Mendez. The request is for a Personal Loan totaling $737,875.30. The specified purpose for the funds is: 'Price federal realize risk ahead who main campaign ten.'.

**Applicant Profile & Financials:**
The applicant, born 1962-11-20, currently resides at 1826 James Brooks, Markberg, MA 70189, where they have lived for 72 months. Identity was cross-verified using the provided SSN suffix (****-4936). All communications have been directed to tenglish@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $539,504.95. The primary credit bureau returned a score of 731. This results in a calculated debt-to-income (DTI) ratio of 39.00%. A review of liquid assets shows several accounts, including a Money Market account at Anderson, Brown and Smith with an average balance of $14,737.21 according to the statement dated 2025-07-07. 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 Commercial Real Estate with a reported value of $6,365,688.09. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (731) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.39) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 81 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'.
**Stipulations for Funding:**
1. Standard audit and verification of all submitted documents prior to funding.
</data>
{
  "loan_application_id": "LLA-2016-99256",
  "applicant_details": {
    "name": "Lisa Mendez",
    "date_of_birth": "1962-11-20",
    "ssn_last_4_digits": "4936",
    "contact_info": {
      "email": "tenglish@example.com",
      "phone_number": "001-772-538-6621x838"
    },
    "residential_history": [
      {
        "address": "1826 James Brooks, Markberg, MA 70189",
        "duration_months": 72,
        "is_current": true
      },
      {
        "address": "199 Christensen Flat, New Jacksonstad, SD 58106",
        "duration_months": 57,
        "is_current": false
      },
      {
        "address": "59429 Perez Harbors, West Williamside, RI 62536",
        "duration_months": 56,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 737875.3,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Price federal realize risk ahead who main campaign ten.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 6365688.09,
        "lien_status": "Second_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 539504.95,
    "debt_to_income_ratio": 0.39,
    "credit_score": 731,
    "bank_accounts": [
      {
        "bank_name": "Anderson, Brown and Smith",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 14737.21,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Gonzales-Johnson",
        "account_type": "Savings",
        "average_monthly_balance_usd": 10780.64,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Taylor Group",
        "account_type": "Checking",
        "average_monthly_balance_usd": 83680.39,
        "last_statement_date": "2025-07-10"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (731) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.39) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 81,
    "recommended_action": "Approve_with_Standard_Terms",
    "conditions_for_approval": [
      "Standard audit and verification of all submitted documents prior to funding."
    ]
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-15"
}