<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-2021-50321
**Date of Review:** 2025-07-17

This report summarizes the comprehensive underwriting review for the application submitted by Betty Henderson. The request is for a Personal Loan totaling $135,731.48. The specified purpose for the funds is: 'Low view themselves skin story population.'.

**Applicant Profile & Financials:**
The applicant, born 1983-11-19, currently resides at 57198 James Knolls Suite 672, West Alexanderberg, PA 87964, where they have lived for 40 months. Identity was cross-verified using the provided SSN suffix (****-8149). All communications have been directed to tayloramanda@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $725,317.86. The primary credit bureau returned a score of 768. This results in a calculated debt-to-income (DTI) ratio of 26.00%. A review of liquid assets shows several accounts, including a Money Market account at Beard, Butler and Horton with an average balance of $94,988.73 according to the statement dated 2025-07-06. 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 $9,540,392.03. The most recent appraisal was conducted on 2025-06-27. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (768) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.26) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 87 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-2021-50321",
  "applicant_details": {
    "name": "Betty Henderson",
    "date_of_birth": "1983-11-19",
    "ssn_last_4_digits": "8149",
    "contact_info": {
      "email": "tayloramanda@example.com",
      "phone_number": "001-943-225-8991x3922"
    },
    "residential_history": [
      {
        "address": "57198 James Knolls Suite 672, West Alexanderberg, PA 87964",
        "duration_months": 40,
        "is_current": true
      },
      {
        "address": "20948 Smith Centers Apt. 289, North Robert, MS 12946",
        "duration_months": 30,
        "is_current": false
      },
      {
        "address": "Unit 4070 Box 3361, DPO AP 64405",
        "duration_months": 34,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 135731.48,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Low view themselves skin story population.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 9540392.03,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-27"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 725317.86,
    "debt_to_income_ratio": 0.26,
    "credit_score": 768,
    "bank_accounts": [
      {
        "bank_name": "Beard, Butler and Horton",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 94988.73,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Rogers, Williams and Bass",
        "account_type": "Checking",
        "average_monthly_balance_usd": 95082.06,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Mosley-Martinez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 37324.65,
        "last_statement_date": "2025-07-03"
      },
      {
        "bank_name": "Davis LLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 51902.3,
        "last_statement_date": "2025-06-16"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (768) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.26) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 87,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-17"
}