<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-1996-55906
**Date of Review:** 2025-07-24

This report summarizes the comprehensive underwriting review for the application submitted by Christine Lane. The request is for a New Home Purchase totaling $256,188.83. The specified purpose for the funds is: 'Thousand weight single long house rather man.'.

**Applicant Profile & Financials:**
The applicant, born 1956-03-28, currently resides at 7766 Martinez Islands Apt. 590, Sharpton, NH 22053, where they have lived for 27 months. Identity was cross-verified using the provided SSN suffix (****-5784). All communications have been directed to yjensen@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $531,655.12. The primary credit bureau returned a score of 565. This results in a calculated debt-to-income (DTI) ratio of 33.00%. A review of liquid assets shows several accounts, including a Money Market account at Werner Inc with an average balance of $72,345.95 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.

**Collateral Assessment:**
The loan is to be secured by a Residential Property with a reported value of $3,370,226.08. The most recent appraisal was conducted on 2025-05-21. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.33 is a moderate concern. Credit score of 565 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 73 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. Verification of employment for the last 24 months.
2. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-1996-55906",
  "applicant_details": {
    "name": "Christine Lane",
    "date_of_birth": "1956-03-28",
    "ssn_last_4_digits": "5784",
    "contact_info": {
      "email": "yjensen@example.net",
      "phone_number": "(666)293-7377"
    },
    "residential_history": [
      {
        "address": "7766 Martinez Islands Apt. 590, Sharpton, NH 22053",
        "duration_months": 27,
        "is_current": true
      },
      {
        "address": "255 Wade Way, Michelleland, NE 65917",
        "duration_months": 62,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 256188.83,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Thousand weight single long house rather man.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 3370226.08,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-05-21"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 6735272.87,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-07-08"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 531655.12,
    "debt_to_income_ratio": 0.33,
    "credit_score": 565,
    "bank_accounts": [
      {
        "bank_name": "Werner Inc",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 72345.95,
        "last_statement_date": "2025-06-29"
      },
      {
        "bank_name": "Smith-Smith",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 63121.75,
        "last_statement_date": "2025-06-21"
      },
      {
        "bank_name": "Daniel Inc",
        "account_type": "Checking",
        "average_monthly_balance_usd": 60988.93,
        "last_statement_date": "2025-06-20"
      },
      {
        "bank_name": "Daniel-Butler",
        "account_type": "Investment",
        "average_monthly_balance_usd": 20051.46,
        "last_statement_date": "2025-06-29"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.33 is a moderate concern. Credit score of 565 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 73,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months.",
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-24"
}