<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-1996-61223
**Date of Review:** 2025-08-09

This report summarizes the comprehensive underwriting review for the application submitted by Bryan Wilson. The request is for a Mortgage Refinance totaling $567,726.87. The specified purpose for the funds is: 'Outside who home hard TV need throw debate street.'.

**Applicant Profile & Financials:**
The applicant, born 1994-06-19, currently resides at 133 Madison Coves, Charleshaven, KS 89377, where they have lived for 26 months. Identity was cross-verified using the provided SSN suffix (****-9890). All communications have been directed to patrick04@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $140,956.68. The primary credit bureau returned a score of 665. This results in a calculated debt-to-income (DTI) ratio of 64.00%. A review of liquid assets shows several accounts, including a Money Market account at Campbell, Rose and Schultz with an average balance of $90,100.42 according to the statement dated 2025-07-06. 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 0.64 is a moderate concern. Credit score of 665 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 64 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. Receipt of updated bank statements showing sufficient closing funds.
2. Satisfactory final appraisal report.
</data>
{
  "loan_application_id": "LLA-1996-61223",
  "applicant_details": {
    "name": "Bryan Wilson",
    "date_of_birth": "1994-06-19",
    "ssn_last_4_digits": "9890",
    "contact_info": {
      "email": "patrick04@example.net",
      "phone_number": "880-890-6012x32454"
    },
    "residential_history": [
      {
        "address": "133 Madison Coves, Charleshaven, KS 89377",
        "duration_months": 26,
        "is_current": true
      },
      {
        "address": "19326 Alexander Views Apt. 216, South Michaelborough, VI 90535",
        "duration_months": 48,
        "is_current": false
      },
      {
        "address": "122 Ward Cove Apt. 797, Lake Rodneybury, HI 98329",
        "duration_months": 65,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 567726.87,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Outside who home hard TV need throw debate street."
  },
  "financial_summary": {
    "annual_income_usd": 140956.68,
    "debt_to_income_ratio": 0.64,
    "credit_score": 665,
    "bank_accounts": [
      {
        "bank_name": "Campbell, Rose and Schultz",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 90100.42,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Rogers, Wilson and Avery",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 24370.78,
        "last_statement_date": "2025-06-15"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.64 is a moderate concern. Credit score of 665 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 64,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-09"
}