<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-1997-28631
**Date of Review:** 2025-07-22

This report summarizes the comprehensive underwriting review for the application submitted by Erika Mitchell. The request is for a New Home Purchase totaling $761,372.61. The specified purpose for the funds is: 'Candidate far home while century mother professional authority write adult.'.

**Applicant Profile & Financials:**
The applicant, born 1978-05-14, currently resides at 431 Anthony Station Suite 370, North Heidi, DE 58946, where they have lived for 60 months. Identity was cross-verified using the provided SSN suffix (****-8519). All communications have been directed to michaellara@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $477,635.53. The primary credit bureau returned a score of 838. This results in a calculated debt-to-income (DTI) ratio of 56.00%. A review of liquid assets shows several accounts, including a Money Market account at Rogers-Hayes with an average balance of $94,512.41 according to the statement dated 2025-06-19. 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 $9,892,281.18. The most recent appraisal was conducted on 2025-07-18. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (838) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.56) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 82 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-1997-28631",
  "applicant_details": {
    "name": "Erika Mitchell",
    "date_of_birth": "1978-05-14",
    "ssn_last_4_digits": "8519",
    "contact_info": {
      "email": "michaellara@example.org",
      "phone_number": "744.846.2996x236"
    },
    "residential_history": [
      {
        "address": "431 Anthony Station Suite 370, North Heidi, DE 58946",
        "duration_months": 60,
        "is_current": true
      },
      {
        "address": "1829 Doyle Village, Sierrahaven, CT 89776",
        "duration_months": 45,
        "is_current": false
      },
      {
        "address": "90581 Collin Groves Apt. 060, New John, WI 25225",
        "duration_months": 26,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 761372.61,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Candidate far home while century mother professional authority write adult.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 9892281.18,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-07-18"
      },
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 6906687.39,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-08-07"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 477635.53,
    "debt_to_income_ratio": 0.56,
    "credit_score": 838,
    "bank_accounts": [
      {
        "bank_name": "Rogers-Hayes",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 94512.41,
        "last_statement_date": "2025-06-19"
      },
      {
        "bank_name": "Allen-Benton",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 87676.72,
        "last_statement_date": "2025-06-17"
      },
      {
        "bank_name": "Johnson Inc",
        "account_type": "Savings",
        "average_monthly_balance_usd": 58421.75,
        "last_statement_date": "2025-06-18"
      },
      {
        "bank_name": "Barajas, Holt and Blackwell",
        "account_type": "Checking",
        "average_monthly_balance_usd": 79453.35,
        "last_statement_date": "2025-06-30"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (838) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.56) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 82,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-22"
}