<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-1975-55112
**Date of Review:** 2025-08-12

This report summarizes the comprehensive underwriting review for the application submitted by Carrie Mcbride. The request is for a New Home Purchase totaling $456,868.38. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 2000-05-18, currently resides at 325 Linda Trafficway, Lake Jamesfurt, WV 10311, where they have lived for 47 months. Identity was cross-verified using the provided SSN suffix (****-3901). All communications have been directed to lisacombs@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $743,065.38. The primary credit bureau returned a score of 764. This results in a calculated debt-to-income (DTI) ratio of 58.00%. A review of liquid assets shows several accounts, including a Investment account at Gibson-Rogers with an average balance of $77,913.12 according to the statement dated 2025-07-10. 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 $7,265,413.75. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.58 is a moderate concern. Credit score of 764 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. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-1975-55112",
  "applicant_details": {
    "name": "Carrie Mcbride",
    "date_of_birth": "2000-05-18",
    "ssn_last_4_digits": "3901",
    "contact_info": {
      "email": "lisacombs@example.com",
      "phone_number": "7546070711"
    },
    "residential_history": [
      {
        "address": "325 Linda Trafficway, Lake Jamesfurt, WV 10311",
        "duration_months": 47,
        "is_current": true
      },
      {
        "address": "41282 Golden Lake Apt. 315, Tammyfurt, TN 26520",
        "duration_months": 45,
        "is_current": false
      },
      {
        "address": "3663 Alvarez Mountain, New Johnport, MS 82951",
        "duration_months": 63,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 456868.38,
    "loan_type": "New_Home_Purchase",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 7265413.75,
        "lien_status": "First_Lien"
      },
      {
        "asset_type": "Residential Property",
        "estimated_value": 5425863.28,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-07"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 743065.38,
    "debt_to_income_ratio": 0.58,
    "credit_score": 764,
    "bank_accounts": [
      {
        "bank_name": "Gibson-Rogers",
        "account_type": "Investment",
        "average_monthly_balance_usd": 77913.12,
        "last_statement_date": "2025-07-10"
      },
      {
        "bank_name": "Becker-Martinez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 69483.01,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "Garcia, Davis and Henry",
        "account_type": "Checking",
        "average_monthly_balance_usd": 96894.52,
        "last_statement_date": "2025-06-26"
      },
      {
        "bank_name": "Miller-Mitchell",
        "account_type": "Investment",
        "average_monthly_balance_usd": 19172.7,
        "last_statement_date": "2025-06-19"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.58 is a moderate concern. Credit score of 764 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 77,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-12"
}