<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-1988-54151
**Date of Review:** 2025-08-02

This report summarizes the comprehensive underwriting review for the application submitted by Susan Perez. The request is for a Mortgage Refinance totaling $541,469.22. The specified purpose for the funds is: 'Policy president resource huge toward simply technology audience follow.'.

**Applicant Profile & Financials:**
The applicant, born 1983-05-02, currently resides at 3051 Elijah Estates Suite 707, South Timothymouth, AS 32603, where they have lived for 54 months. Identity was cross-verified using the provided SSN suffix (****-0755). All communications have been directed to vanessabryant@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $898,479.40. The primary credit bureau returned a score of 798. This results in a calculated debt-to-income (DTI) ratio of 48.00%. A review of liquid assets shows several accounts, including a Savings account at Peters, Alexander and King with an average balance of $81,805.48 according to the statement dated 2025-07-01. 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 Residential Property with a reported value of $1,020,049.85. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (798) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.48) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 82 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-1988-54151",
  "applicant_details": {
    "name": "Susan Perez",
    "date_of_birth": "1983-05-02",
    "ssn_last_4_digits": "0755",
    "contact_info": {
      "email": "vanessabryant@example.net",
      "phone_number": "767-399-3399x3121"
    },
    "residential_history": [
      {
        "address": "3051 Elijah Estates Suite 707, South Timothymouth, AS 32603",
        "duration_months": 54,
        "is_current": true
      },
      {
        "address": "2661 Lori Hills Suite 451, West Laurenside, VT 82232",
        "duration_months": 18,
        "is_current": false
      },
      {
        "address": "778 Martinez Cliff Suite 666, Lake Chadmouth, VA 05467",
        "duration_months": 49,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 541469.22,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Policy president resource huge toward simply technology audience follow.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 1020049.85,
        "lien_status": "Second_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 898479.4,
    "debt_to_income_ratio": 0.48,
    "credit_score": 798,
    "bank_accounts": [
      {
        "bank_name": "Peters, Alexander and King",
        "account_type": "Savings",
        "average_monthly_balance_usd": 81805.48,
        "last_statement_date": "2025-07-01"
      },
      {
        "bank_name": "Miller, Moore and Clements",
        "account_type": "Investment",
        "average_monthly_balance_usd": 46272.7,
        "last_statement_date": "2025-06-28"
      },
      {
        "bank_name": "Sanchez-Rush",
        "account_type": "Investment",
        "average_monthly_balance_usd": 81433.02,
        "last_statement_date": "2025-06-16"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (798) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.48) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 82,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-02"
}