<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-1982-94273
**Date of Review:** 2025-07-26

This report summarizes the comprehensive underwriting review for the application submitted by Randy Ford. The request is for a Mortgage Refinance totaling $855,890.21. The specified purpose for the funds is: 'Employee church friend treat white debate someone six investment these.'.

**Applicant Profile & Financials:**
The applicant, born 1999-02-23, currently resides at Unit 9915 Box 7704, DPO AA 05703, where they have lived for 37 months. Identity was cross-verified using the provided SSN suffix (****-0336). All communications have been directed to gary15@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $101,456.93. The primary credit bureau returned a score of 564. This results in a calculated debt-to-income (DTI) ratio of 16.00%. A review of liquid assets shows several accounts, including a Checking account at Foster PLC with an average balance of $69,449.75 according to the statement dated 2025-06-23. 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 $1,793,684.64. The most recent appraisal was conducted on 2025-05-21. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.16 is a moderate concern. Credit score of 564 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 68 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. Satisfactory final appraisal report.
</data>
{
  "loan_application_id": "LLA-1982-94273",
  "applicant_details": {
    "name": "Randy Ford",
    "date_of_birth": "1999-02-23",
    "ssn_last_4_digits": "0336",
    "contact_info": {
      "email": "gary15@example.com",
      "phone_number": "001-463-888-8427x0967"
    },
    "residential_history": [
      {
        "address": "Unit 9915 Box 7704, DPO AA 05703",
        "duration_months": 37,
        "is_current": true
      },
      {
        "address": "Unit 5326 Box 7251, DPO AP 57247",
        "duration_months": 21,
        "is_current": false
      },
      {
        "address": "824 Andrew Grove Suite 196, Lunashire, MH 18805",
        "duration_months": 30,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 855890.21,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Employee church friend treat white debate someone six investment these.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 1793684.64,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-05-21"
      },
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 3024745.98,
        "lien_status": "Unencumbered"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 101456.93,
    "debt_to_income_ratio": 0.16,
    "credit_score": 564,
    "bank_accounts": [
      {
        "bank_name": "Foster PLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 69449.75,
        "last_statement_date": "2025-06-23"
      },
      {
        "bank_name": "Nolan and Sons",
        "account_type": "Savings",
        "average_monthly_balance_usd": 88805.1,
        "last_statement_date": "2025-06-18"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.16 is a moderate concern. Credit score of 564 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 68,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-26"
}