<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-1970-34512
**Date of Review:** 2025-08-06

This report summarizes the comprehensive underwriting review for the application submitted by Mary Lopez. The request is for a New Home Purchase totaling $538,495.39. The specified purpose for the funds is: 'Process it generation much quality director contain hotel trade human even.'.

**Applicant Profile & Financials:**
The applicant, born 1976-11-03, currently resides at 48764 Tammy Cliffs Apt. 177, Brookschester, LA 76081, where they have lived for 40 months. Identity was cross-verified using the provided SSN suffix (****-9944). All communications have been directed to kthornton@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $874,590.16. The primary credit bureau returned a score of 560. This results in a calculated debt-to-income (DTI) ratio of 57.00%. A review of liquid assets shows several accounts, including a Investment account at Carrillo PLC with an average balance of $20,670.85 according to the statement dated 2025-07-08. 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 0.57 is a moderate concern. Credit score of 560 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 65 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. Satisfactory final appraisal report.
2. Proof of hazard insurance for the subject property.
</data>
{
  "loan_application_id": "LLA-1970-34512",
  "applicant_details": {
    "name": "Mary Lopez",
    "date_of_birth": "1976-11-03",
    "ssn_last_4_digits": "9944",
    "contact_info": {
      "email": "kthornton@example.net",
      "phone_number": "+1-295-960-8332"
    },
    "residential_history": [
      {
        "address": "48764 Tammy Cliffs Apt. 177, Brookschester, LA 76081",
        "duration_months": 40,
        "is_current": true
      },
      {
        "address": "7524 Larson Grove Apt. 045, Owensbury, NH 44226",
        "duration_months": 52,
        "is_current": false
      },
      {
        "address": "8139 Anderson Ville Apt. 270, Moorebury, MP 37714",
        "duration_months": 19,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 538495.39,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Process it generation much quality director contain hotel trade human even."
  },
  "financial_summary": {
    "annual_income_usd": 874590.16,
    "debt_to_income_ratio": 0.57,
    "credit_score": 560,
    "bank_accounts": [
      {
        "bank_name": "Carrillo PLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 20670.85,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Wilson-Miller",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 49132.87,
        "last_statement_date": "2025-06-16"
      },
      {
        "bank_name": "Berg and Sons",
        "account_type": "Investment",
        "average_monthly_balance_usd": 86457.9,
        "last_statement_date": "2025-07-13"
      },
      {
        "bank_name": "Lin-Lane",
        "account_type": "Investment",
        "average_monthly_balance_usd": 75241.8,
        "last_statement_date": "2025-06-20"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.57 is a moderate concern. Credit score of 560 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 65,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report.",
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-06"
}