<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-1970-56414
**Date of Review:** 2025-08-12

This report summarizes the comprehensive underwriting review for the application submitted by Darlene Preston. The request is for a Mortgage Refinance totaling $157,456.32. The specified purpose for the funds is: 'Write unit Republican rock nothing simple unit.'.

**Applicant Profile & Financials:**
The applicant, born 1973-08-21, currently resides at USCGC Lewis, FPO AE 48160, where they have lived for 39 months. Identity was cross-verified using the provided SSN suffix (****-3797). All communications have been directed to bradyluis@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $200,058.21. The primary credit bureau returned a score of 664. This results in a calculated debt-to-income (DTI) ratio of 40.00%. A review of liquid assets shows several accounts, including a Checking account at Mccall, Zhang and Lambert with an average balance of $25,566.96 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.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.4 is a moderate concern. Credit score of 664 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 77 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.
</data>
{
  "loan_application_id": "LLA-1970-56414",
  "applicant_details": {
    "name": "Darlene Preston",
    "date_of_birth": "1973-08-21",
    "ssn_last_4_digits": "3797",
    "contact_info": {
      "email": "bradyluis@example.org",
      "phone_number": "250.263.9912x01014"
    },
    "residential_history": [
      {
        "address": "USCGC Lewis, FPO AE 48160",
        "duration_months": 39,
        "is_current": true
      },
      {
        "address": "982 Teresa Mount Apt. 348, Mooreville, AK 17434",
        "duration_months": 62,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 157456.32,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Write unit Republican rock nothing simple unit."
  },
  "financial_summary": {
    "annual_income_usd": 200058.21,
    "debt_to_income_ratio": 0.4,
    "credit_score": 664,
    "bank_accounts": [
      {
        "bank_name": "Mccall, Zhang and Lambert",
        "account_type": "Checking",
        "average_monthly_balance_usd": 25566.96,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Williams, Scott and Smith",
        "account_type": "Checking",
        "average_monthly_balance_usd": 21687.27,
        "last_statement_date": "2025-06-22"
      },
      {
        "bank_name": "Chung-Walls",
        "account_type": "Investment",
        "average_monthly_balance_usd": 92845.59,
        "last_statement_date": "2025-06-21"
      },
      {
        "bank_name": "Thompson, Rodriguez and Branch",
        "account_type": "Investment",
        "average_monthly_balance_usd": 88163.88,
        "last_statement_date": "2025-06-30"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.4 is a moderate concern. Credit score of 664 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 77,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-12"
}