<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-2024-62293
**Date of Review:** 2025-07-19

This report summarizes the comprehensive underwriting review for the application submitted by Jeff Garcia. The request is for a New Home Purchase totaling $431,234.01. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1993-10-30, currently resides at 83446 Thomas Roads Suite 849, East Joshua, NH 08165, where they have lived for 55 months. Identity was cross-verified using the provided SSN suffix (****-3808). All communications have been directed to klawrence@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $699,090.63. The primary credit bureau returned a score of 622. This results in a calculated debt-to-income (DTI) ratio of 36.00%. A review of liquid assets shows several accounts, including a Investment account at Nelson LLC with an average balance of $16,297.53 according to the statement dated 2025-07-02. 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 0.36 is a moderate concern. Credit score of 622 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 75 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.
</data>
{
  "loan_application_id": "LLA-2024-62293",
  "applicant_details": {
    "name": "Jeff Garcia",
    "date_of_birth": "1993-10-30",
    "ssn_last_4_digits": "3808",
    "contact_info": {
      "email": "klawrence@example.org",
      "phone_number": "648.519.1772"
    },
    "residential_history": [
      {
        "address": "83446 Thomas Roads Suite 849, East Joshua, NH 08165",
        "duration_months": 55,
        "is_current": true
      },
      {
        "address": "PSC 0503, Box 9868, APO AA 61715",
        "duration_months": 61,
        "is_current": false
      },
      {
        "address": "365 Cooper Stravenue, Sonyaview, NY 98940",
        "duration_months": 30,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 431234.01,
    "loan_type": "New_Home_Purchase"
  },
  "financial_summary": {
    "annual_income_usd": 699090.63,
    "debt_to_income_ratio": 0.36,
    "credit_score": 622,
    "bank_accounts": [
      {
        "bank_name": "Nelson LLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 16297.53,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Daniels, Gutierrez and Smith",
        "account_type": "Checking",
        "average_monthly_balance_usd": 63721.57,
        "last_statement_date": "2025-06-27"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.36 is a moderate concern. Credit score of 622 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 75,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-19"
}