<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-2012-63246
**Date of Review:** 2025-07-27

This report summarizes the comprehensive underwriting review for the application submitted by Amanda Martin. The request is for a Mortgage Refinance totaling $342,238.69. The specified purpose for the funds is: 'Field her believe kind particularly share particular wait.'.

**Applicant Profile & Financials:**
The applicant, born 1965-06-30, currently resides at 7631 Williams Locks Suite 580, East Jon, SC 55268, where they have lived for 57 months. Identity was cross-verified using the provided SSN suffix (****-2362). All communications have been directed to prichardson@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $949,860.61. The primary credit bureau returned a score of 654. This results in a calculated debt-to-income (DTI) ratio of 40.00%. A review of liquid assets shows several accounts, including a Savings account at Cook-Wallace with an average balance of $98,556.56 according to the statement dated 2025-07-05. 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 654 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 76 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-2012-63246",
  "applicant_details": {
    "name": "Amanda Martin",
    "date_of_birth": "1965-06-30",
    "ssn_last_4_digits": "2362",
    "contact_info": {
      "email": "prichardson@example.com",
      "phone_number": "833.460.6167"
    },
    "residential_history": [
      {
        "address": "7631 Williams Locks Suite 580, East Jon, SC 55268",
        "duration_months": 57,
        "is_current": true
      },
      {
        "address": "PSC 3545, Box 1838, APO AA 70268",
        "duration_months": 25,
        "is_current": false
      },
      {
        "address": "5109 Little Vista Apt. 131, Bradymouth, GA 71253",
        "duration_months": 62,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 342238.69,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Field her believe kind particularly share particular wait."
  },
  "financial_summary": {
    "annual_income_usd": 949860.61,
    "debt_to_income_ratio": 0.4,
    "credit_score": 654,
    "bank_accounts": [
      {
        "bank_name": "Cook-Wallace",
        "account_type": "Savings",
        "average_monthly_balance_usd": 98556.56,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Figueroa LLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 63588.52,
        "last_statement_date": "2025-06-20"
      },
      {
        "bank_name": "Brown, Ford and Lambert",
        "account_type": "Investment",
        "average_monthly_balance_usd": 87888.71,
        "last_statement_date": "2025-07-06"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.4 is a moderate concern. Credit score of 654 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 76,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-27"
}