<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-1970-47647
**Date of Review:** 2025-08-10

This report summarizes the comprehensive underwriting review for the application submitted by Jenna Brooks. The request is for a Mortgage Refinance totaling $403,322.22. The specified purpose for the funds is: 'Friend black one stock reach husband factor seem.'.

**Applicant Profile & Financials:**
The applicant, born 1972-03-16, currently resides at 81796 Klein Stream, Davisstad, IN 81611, where they have lived for 12 months. Identity was cross-verified using the provided SSN suffix (****-2516). All communications have been directed to scurtis@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $611,064.56. The primary credit bureau returned a score of 558. This results in a calculated debt-to-income (DTI) ratio of 27.00%. A review of liquid assets shows several accounts, including a Investment account at Garcia, Nichols and Burns with an average balance of $60,014.52 according to the statement dated 2025-06-21. 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 0.27 is a moderate concern. Credit score of 558 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 74 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. Proof of hazard insurance for the subject property.
2. Satisfactory final appraisal report.
3. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-1970-47647",
  "applicant_details": {
    "name": "Jenna Brooks",
    "date_of_birth": "1972-03-16",
    "ssn_last_4_digits": "2516",
    "contact_info": {
      "email": "scurtis@example.com",
      "phone_number": "001-921-342-6342x00473"
    },
    "residential_history": [
      {
        "address": "81796 Klein Stream, Davisstad, IN 81611",
        "duration_months": 12,
        "is_current": true
      },
      {
        "address": "4530 Anthony Mission Suite 806, Angelaburgh, GA 55030",
        "duration_months": 33,
        "is_current": false
      },
      {
        "address": "38731 Sullivan Extension Suite 582, New Melissahaven, OH 08122",
        "duration_months": 66,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 403322.22,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Friend black one stock reach husband factor seem."
  },
  "financial_summary": {
    "annual_income_usd": 611064.56,
    "debt_to_income_ratio": 0.27,
    "credit_score": 558,
    "bank_accounts": [
      {
        "bank_name": "Garcia, Nichols and Burns",
        "account_type": "Investment",
        "average_monthly_balance_usd": 60014.52,
        "last_statement_date": "2025-06-21"
      },
      {
        "bank_name": "Cole, Lewis and Garcia",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 54685.4,
        "last_statement_date": "2025-06-22"
      },
      {
        "bank_name": "Kaiser-Chaney",
        "account_type": "Investment",
        "average_monthly_balance_usd": 13834.82,
        "last_statement_date": "2025-06-19"
      },
      {
        "bank_name": "Atkins Ltd",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 96409.58,
        "last_statement_date": "2025-07-07"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.27 is a moderate concern. Credit score of 558 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 74,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property.",
      "Satisfactory final appraisal report.",
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-10"
}