<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-1985-20556
**Date of Review:** 2025-07-15

This report summarizes the comprehensive underwriting review for the application submitted by Rebecca Rogers. The request is for a Mortgage Refinance totaling $887,822.53. The specified purpose for the funds is: 'Allow eat weight check build close she nearly.'.

**Applicant Profile & Financials:**
The applicant, born 1962-08-28, currently resides at 908 Montgomery Haven Suite 135, West Dianaville, WI 19309, where they have lived for 49 months. Identity was cross-verified using the provided SSN suffix (****-1205). All communications have been directed to lholland@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $234,542.14. The primary credit bureau returned a score of 786. This results in a calculated debt-to-income (DTI) ratio of 49.00%. A review of liquid assets shows several accounts, including a Checking account at Roberts, Adams and Hernandez with an average balance of $83,805.63 according to the statement dated 2025-07-13. 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 (786) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.49) 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-1985-20556",
  "applicant_details": {
    "name": "Rebecca Rogers",
    "date_of_birth": "1962-08-28",
    "ssn_last_4_digits": "1205",
    "contact_info": {
      "email": "lholland@example.org",
      "phone_number": "(398)804-0210x916"
    },
    "residential_history": [
      {
        "address": "908 Montgomery Haven Suite 135, West Dianaville, WI 19309",
        "duration_months": 49,
        "is_current": true
      },
      {
        "address": "130 Brenda Summit, Michaelville, RI 02056",
        "duration_months": 13,
        "is_current": false
      },
      {
        "address": "5161 Salazar Bypass Apt. 273, Caldwellfurt, WA 54265",
        "duration_months": 43,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 887822.53,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Allow eat weight check build close she nearly."
  },
  "financial_summary": {
    "annual_income_usd": 234542.14,
    "debt_to_income_ratio": 0.49,
    "credit_score": 786,
    "bank_accounts": [
      {
        "bank_name": "Roberts, Adams and Hernandez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 83805.63,
        "last_statement_date": "2025-07-13"
      },
      {
        "bank_name": "Hobbs Inc",
        "account_type": "Investment",
        "average_monthly_balance_usd": 27475.55,
        "last_statement_date": "2025-07-13"
      },
      {
        "bank_name": "Daniels-May",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 69382.58,
        "last_statement_date": "2025-07-01"
      },
      {
        "bank_name": "Brooks PLC",
        "account_type": "Savings",
        "average_monthly_balance_usd": 82438.88,
        "last_statement_date": "2025-07-05"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (786) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.49) 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": "2025-07-15"
}