<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-1980-64213
**Date of Review:** 2025-07-17

This report summarizes the comprehensive underwriting review for the application submitted by Brent Wagner. The request is for a Mortgage Refinance totaling $332,836.10. The specified purpose for the funds is: 'Another pressure turn show spend few resource pattern foreign.'.

**Applicant Profile & Financials:**
The applicant, born 1982-06-27, currently resides at 1407 Christopher Walks Apt. 078, Alexandermouth, TN 83946, where they have lived for 39 months. Identity was cross-verified using the provided SSN suffix (****-1506). All communications have been directed to qgonzalez@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $132,851.29. The primary credit bureau returned a score of 747. This results in a calculated debt-to-income (DTI) ratio of 45.00%. A review of liquid assets shows several accounts, including a Investment account at Cain-Smith with an average balance of $69,122.35 according to the statement dated 2025-07-05. 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 $5,075,977.50. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.45 is a moderate concern. Credit score of 747 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. Satisfactory final appraisal report.
3. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-1980-64213",
  "applicant_details": {
    "name": "Brent Wagner",
    "date_of_birth": "1982-06-27",
    "ssn_last_4_digits": "1506",
    "contact_info": {
      "email": "qgonzalez@example.org",
      "phone_number": "001-629-744-0057"
    },
    "residential_history": [
      {
        "address": "1407 Christopher Walks Apt. 078, Alexandermouth, TN 83946",
        "duration_months": 39,
        "is_current": true
      },
      {
        "address": "8315 Duncan Route Suite 586, Chadhaven, MO 07459",
        "duration_months": 55,
        "is_current": false
      },
      {
        "address": "9941 Samuel Drive, Alisonfurt, VI 74351",
        "duration_months": 57,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 332836.1,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Another pressure turn show spend few resource pattern foreign.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 5075977.5,
        "lien_status": "Unencumbered"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 3620100.42,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-06-01"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 132851.29,
    "debt_to_income_ratio": 0.45,
    "credit_score": 747,
    "bank_accounts": [
      {
        "bank_name": "Cain-Smith",
        "account_type": "Investment",
        "average_monthly_balance_usd": 69122.35,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Jackson, Scott and Booth",
        "account_type": "Investment",
        "average_monthly_balance_usd": 45186.45,
        "last_statement_date": "2025-06-29"
      },
      {
        "bank_name": "Rodriguez-Hicks",
        "account_type": "Investment",
        "average_monthly_balance_usd": 11875.91,
        "last_statement_date": "2025-07-12"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.45 is a moderate concern. Credit score of 747 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.",
      "Satisfactory final appraisal report.",
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-17"
}