<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-1987-72764
**Date of Review:** 2025-07-17

This report summarizes the comprehensive underwriting review for the application submitted by Blake Zimmerman. The request is for a New Home Purchase totaling $363,797.90. The specified purpose for the funds is: 'Set choice bad series court so myself away know.'.

**Applicant Profile & Financials:**
The applicant, born 1959-06-16, currently resides at 1475 Austin Rapids, New Hector, DE 82878, where they have lived for 59 months. Identity was cross-verified using the provided SSN suffix (****-0786). All communications have been directed to derrick40@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $911,918.50. The primary credit bureau returned a score of 700. This results in a calculated debt-to-income (DTI) ratio of 33.00%. A review of liquid assets shows several accounts, including a Money Market account at Drake PLC with an average balance of $30,866.52 according to the statement dated 2025-07-07. 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 (700) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.33) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 81 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-1987-72764",
  "applicant_details": {
    "name": "Blake Zimmerman",
    "date_of_birth": "1959-06-16",
    "ssn_last_4_digits": "0786",
    "contact_info": {
      "email": "derrick40@example.net",
      "phone_number": "+1-951-880-6543x13233"
    },
    "residential_history": [
      {
        "address": "1475 Austin Rapids, New Hector, DE 82878",
        "duration_months": 59,
        "is_current": true
      },
      {
        "address": "85390 Scott Canyon Apt. 286, Briggsberg, TX 74392",
        "duration_months": 43,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 363797.9,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Set choice bad series court so myself away know."
  },
  "financial_summary": {
    "annual_income_usd": 911918.5,
    "debt_to_income_ratio": 0.33,
    "credit_score": 700,
    "bank_accounts": [
      {
        "bank_name": "Drake PLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 30866.52,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Thompson, Mejia and Vargas",
        "account_type": "Investment",
        "average_monthly_balance_usd": 12593.26,
        "last_statement_date": "2025-06-20"
      },
      {
        "bank_name": "Allen and Sons",
        "account_type": "Savings",
        "average_monthly_balance_usd": 16687.1,
        "last_statement_date": "2025-07-10"
      },
      {
        "bank_name": "Barnes, Garner and Contreras",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 81522.72,
        "last_statement_date": "2025-07-10"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (700) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.33) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 81,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-17"
}