<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-1985-81031
**Date of Review:** 2025-07-28

This report summarizes the comprehensive underwriting review for the application submitted by Stephanie Fox. The request is for a Business Expansion Loan totaling $245,341.82. The specified purpose for the funds is: 'Would film Democrat rule organization edge listen must gas.'.

**Applicant Profile & Financials:**
The applicant, born 1990-08-03, currently resides at 8709 Johnson Prairie, North Paultown, HI 98747, where they have lived for 62 months. Identity was cross-verified using the provided SSN suffix (****-9252). All communications have been directed to ldominguez@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $391,464.29. The primary credit bureau returned a score of 736. This results in a calculated debt-to-income (DTI) ratio of 57.00%. A review of liquid assets shows several accounts, including a Savings account at Hart, Lee and Burnett with an average balance of $32,945.66 according to the statement dated 2025-07-05. 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 Commercial Real Estate with a reported value of $9,728,687.92. The most recent appraisal was conducted on 2025-05-31. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.57 is a moderate concern. Credit score of 736 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 76 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. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-1985-81031",
  "applicant_details": {
    "name": "Stephanie Fox",
    "date_of_birth": "1990-08-03",
    "ssn_last_4_digits": "9252",
    "contact_info": {
      "email": "ldominguez@example.org",
      "phone_number": "412.688.6670x136"
    },
    "residential_history": [
      {
        "address": "8709 Johnson Prairie, North Paultown, HI 98747",
        "duration_months": 62,
        "is_current": true
      },
      {
        "address": "6962 Katelyn Ranch Suite 239, Lake Elizabethhaven, MT 15863",
        "duration_months": 54,
        "is_current": false
      },
      {
        "address": "82487 Oconnor Shoals Suite 884, Lake Kirk, PA 59651",
        "duration_months": 66,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 245341.82,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Would film Democrat rule organization edge listen must gas.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 9728687.92,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-05-31"
      },
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 8838606.78,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-08-05"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 391464.29,
    "debt_to_income_ratio": 0.57,
    "credit_score": 736,
    "bank_accounts": [
      {
        "bank_name": "Hart, Lee and Burnett",
        "account_type": "Savings",
        "average_monthly_balance_usd": 32945.66,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Stephens PLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 48760.33,
        "last_statement_date": "2025-06-24"
      },
      {
        "bank_name": "Stevens and Sons",
        "account_type": "Savings",
        "average_monthly_balance_usd": 10014.07,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Williams-Contreras",
        "account_type": "Investment",
        "average_monthly_balance_usd": 25941.51,
        "last_statement_date": "2025-06-14"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.57 is a moderate concern. Credit score of 736 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 76,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-28"
}