<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-1999-62489
**Date of Review:** 2025-08-03

This report summarizes the comprehensive underwriting review for the application submitted by Daniel Robbins. The request is for a Mortgage Refinance totaling $459,783.73. The specified purpose for the funds is: 'Ever main radio cut ahead onto.'.

**Applicant Profile & Financials:**
The applicant, born 1955-03-04, currently resides at 7961 Snyder Port, Meadowsview, ND 16755, where they have lived for 23 months. Identity was cross-verified using the provided SSN suffix (****-9468). All communications have been directed to olsonlaura@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $712,610.33. The primary credit bureau returned a score of 840. This results in a calculated debt-to-income (DTI) ratio of 19.00%. A review of liquid assets shows several accounts, including a Checking account at Ortega, Moore and Greene with an average balance of $58,725.94 according to the statement dated 2025-06-27. 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 has strong credit history (840) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.19) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 93 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-1999-62489",
  "applicant_details": {
    "name": "Daniel Robbins",
    "date_of_birth": "1955-03-04",
    "ssn_last_4_digits": "9468",
    "contact_info": {
      "email": "olsonlaura@example.com",
      "phone_number": "+1-773-270-4525x24936"
    },
    "residential_history": [
      {
        "address": "7961 Snyder Port, Meadowsview, ND 16755",
        "duration_months": 23,
        "is_current": true
      },
      {
        "address": "54222 Rodney Burg Suite 170, Whiteberg, AS 28748",
        "duration_months": 65,
        "is_current": false
      },
      {
        "address": "359 Hernandez Drives Suite 505, Michellebury, VT 90841",
        "duration_months": 70,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 459783.73,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Ever main radio cut ahead onto."
  },
  "financial_summary": {
    "annual_income_usd": 712610.33,
    "debt_to_income_ratio": 0.19,
    "credit_score": 840,
    "bank_accounts": [
      {
        "bank_name": "Ortega, Moore and Greene",
        "account_type": "Checking",
        "average_monthly_balance_usd": 58725.94,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "Hart, Palmer and Wright",
        "account_type": "Checking",
        "average_monthly_balance_usd": 67276.24,
        "last_statement_date": "2025-06-28"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (840) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.19) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 93,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-03"
}