<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-1998-66946
**Date of Review:** 2025-07-31

This report summarizes the comprehensive underwriting review for the application submitted by David Anderson. The request is for a New Home Purchase totaling $261,875.64. The specified purpose for the funds is: 'Reveal scientist affect she he some.'.

**Applicant Profile & Financials:**
The applicant, born 1998-12-20, currently resides at Unit 3904 Box 1415, DPO AA 27857, where they have lived for 26 months. Identity was cross-verified using the provided SSN suffix (****-3094). All communications have been directed to andrea01@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $196,380.16. The primary credit bureau returned a score of 692. This results in a calculated debt-to-income (DTI) ratio of 40.00%. A review of liquid assets shows several accounts, including a Investment account at Sellers, Salazar and Grant with an average balance of $47,107.48 according to the statement dated 2025-06-15. 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 0.4 is a moderate concern. Credit score of 692 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 78 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-1998-66946",
  "applicant_details": {
    "name": "David Anderson",
    "date_of_birth": "1998-12-20",
    "ssn_last_4_digits": "3094",
    "contact_info": {
      "email": "andrea01@example.org",
      "phone_number": "(802)887-1661"
    },
    "residential_history": [
      {
        "address": "Unit 3904 Box 1415, DPO AA 27857",
        "duration_months": 26,
        "is_current": true
      },
      {
        "address": "4990 Stacy Locks, East Jacobstad, MA 05139",
        "duration_months": 36,
        "is_current": false
      },
      {
        "address": "5721 Robert Plaza Apt. 550, North Nicole, VA 61672",
        "duration_months": 39,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 261875.64,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Reveal scientist affect she he some."
  },
  "financial_summary": {
    "annual_income_usd": 196380.16,
    "debt_to_income_ratio": 0.4,
    "credit_score": 692,
    "bank_accounts": [
      {
        "bank_name": "Sellers, Salazar and Grant",
        "account_type": "Investment",
        "average_monthly_balance_usd": 47107.48,
        "last_statement_date": "2025-06-15"
      },
      {
        "bank_name": "Gibson-Wilkerson",
        "account_type": "Investment",
        "average_monthly_balance_usd": 32230.96,
        "last_statement_date": "2025-06-18"
      },
      {
        "bank_name": "Walls, Randolph and Johnson",
        "account_type": "Savings",
        "average_monthly_balance_usd": 48486.78,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Thompson Ltd",
        "account_type": "Investment",
        "average_monthly_balance_usd": 23057.58,
        "last_statement_date": "2025-07-03"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.4 is a moderate concern. Credit score of 692 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 78,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-31"
}