<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-1995-72945
**Date of Review:** 2025-07-23

This report summarizes the comprehensive underwriting review for the application submitted by Brian Gutierrez. The request is for a Mortgage Refinance totaling $261,357.93. The specified purpose for the funds is: 'Line tonight boy bed such debate tax edge tonight pass happen.'.

**Applicant Profile & Financials:**
The applicant, born 1959-02-16, currently resides at 05509 Eric Landing, Huntstad, AR 15774, where they have lived for 68 months. Identity was cross-verified using the provided SSN suffix (****-4237). All communications have been directed to fordrobert@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $962,475.26. The primary credit bureau returned a score of 806. This results in a calculated debt-to-income (DTI) ratio of 33.00%. A review of liquid assets shows several accounts, including a Investment account at Campbell PLC with an average balance of $12,976.87 according to the statement dated 2025-07-08. 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 $8,049,924.92. The most recent appraisal was conducted on 2025-07-28. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (806) 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 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-1995-72945",
  "applicant_details": {
    "name": "Brian Gutierrez",
    "date_of_birth": "1959-02-16",
    "ssn_last_4_digits": "4237",
    "contact_info": {
      "email": "fordrobert@example.org",
      "phone_number": "621.227.9976"
    },
    "residential_history": [
      {
        "address": "05509 Eric Landing, Huntstad, AR 15774",
        "duration_months": 68,
        "is_current": true
      },
      {
        "address": "04330 Allen Harbors Suite 453, Georgeberg, NY 18953",
        "duration_months": 14,
        "is_current": false
      },
      {
        "address": "89515 Douglas Ways, New Joymouth, SC 63978",
        "duration_months": 53,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 261357.93,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Line tonight boy bed such debate tax edge tonight pass happen.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 8049924.92,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-07-28"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 962475.26,
    "debt_to_income_ratio": 0.33,
    "credit_score": 806,
    "bank_accounts": [
      {
        "bank_name": "Campbell PLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 12976.87,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Kelly and Sons",
        "account_type": "Investment",
        "average_monthly_balance_usd": 59445.17,
        "last_statement_date": "2025-06-19"
      },
      {
        "bank_name": "Thomas PLC",
        "account_type": "Savings",
        "average_monthly_balance_usd": 76536.86,
        "last_statement_date": "2025-06-29"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (806) 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": 87,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-23"
}