<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-1985-90017
**Date of Review:** 2025-07-27

This report summarizes the comprehensive underwriting review for the application submitted by Lisa Rollins. The request is for a New Home Purchase totaling $366,392.01. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1995-10-19, currently resides at 3160 Wright Union Suite 042, Stevenston, AR 73608, where they have lived for 57 months. Identity was cross-verified using the provided SSN suffix (****-3732). All communications have been directed to ryanthomas@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $566,532.72. The primary credit bureau returned a score of 839. This results in a calculated debt-to-income (DTI) ratio of 41.00%. A review of liquid assets shows several accounts, including a Money Market account at Simon-Burke with an average balance of $99,280.17 according to the statement dated 2025-06-18. Market conditions have been stable, although we noted a slight dip in the index last Tuesday, which is considered immaterial to this assessment.

**Collateral Assessment:**
The loan is to be secured by a Marketable Securities with a reported value of $2,413,547.08. The most recent appraisal was conducted on 2025-06-30. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (839) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.41) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 87 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-1985-90017",
  "applicant_details": {
    "name": "Lisa Rollins",
    "date_of_birth": "1995-10-19",
    "ssn_last_4_digits": "3732",
    "contact_info": {
      "email": "ryanthomas@example.net",
      "phone_number": "001-680-498-0821"
    },
    "residential_history": [
      {
        "address": "3160 Wright Union Suite 042, Stevenston, AR 73608",
        "duration_months": 57,
        "is_current": true
      },
      {
        "address": "86638 Michael Mews Suite 530, Port Keithstad, NV 80278",
        "duration_months": 30,
        "is_current": false
      },
      {
        "address": "646 Jackson Branch, New Katieburgh, OK 57567",
        "duration_months": 34,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 366392.01,
    "loan_type": "New_Home_Purchase",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 2413547.08,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-30"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 566532.72,
    "debt_to_income_ratio": 0.41,
    "credit_score": 839,
    "bank_accounts": [
      {
        "bank_name": "Simon-Burke",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 99280.17,
        "last_statement_date": "2025-06-18"
      },
      {
        "bank_name": "Long-Boyd",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 83493.92,
        "last_statement_date": "2025-06-14"
      },
      {
        "bank_name": "Clark and Sons",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 86347.69,
        "last_statement_date": "2025-06-18"
      },
      {
        "bank_name": "Armstrong-Sullivan",
        "account_type": "Checking",
        "average_monthly_balance_usd": 21774.79,
        "last_statement_date": "2025-06-28"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (839) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.41) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 87,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-27"
}