<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-2004-60775
**Date of Review:** 2025-08-04

This report summarizes the comprehensive underwriting review for the application submitted by Jennifer David. The request is for a Mortgage Refinance totaling $940,167.92. The specified purpose for the funds is: 'And go could consumer ball north than.'.

**Applicant Profile & Financials:**
The applicant, born 1970-01-22, currently resides at 897 Marilyn Coves, North Gregory, KY 11288, where they have lived for 72 months. Identity was cross-verified using the provided SSN suffix (****-6064). All communications have been directed to ypowell@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $619,655.66. The primary credit bureau returned a score of 692. This results in a calculated debt-to-income (DTI) ratio of 46.00%. A review of liquid assets shows several accounts, including a Investment account at Cooper LLC with an average balance of $32,147.16 according to the statement dated 2025-07-04. 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 profile is generally positive, but the DTI of 0.46 is a moderate concern. Credit score of 692 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. Satisfactory final appraisal report.
2. Verification of employment for the last 24 months.
3. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-2004-60775",
  "applicant_details": {
    "name": "Jennifer David",
    "date_of_birth": "1970-01-22",
    "ssn_last_4_digits": "6064",
    "contact_info": {
      "email": "ypowell@example.com",
      "phone_number": "995-620-1790"
    },
    "residential_history": [
      {
        "address": "897 Marilyn Coves, North Gregory, KY 11288",
        "duration_months": 72,
        "is_current": true
      },
      {
        "address": "76548 Judith Flat Suite 152, Jenniferton, FL 50663",
        "duration_months": 56,
        "is_current": false
      },
      {
        "address": "381 Freeman Cape, Morenomouth, MN 08959",
        "duration_months": 51,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 940167.92,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "And go could consumer ball north than."
  },
  "financial_summary": {
    "annual_income_usd": 619655.66,
    "debt_to_income_ratio": 0.46,
    "credit_score": 692,
    "bank_accounts": [
      {
        "bank_name": "Cooper LLC",
        "account_type": "Investment",
        "average_monthly_balance_usd": 32147.16,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Tran, Miller and Davis",
        "account_type": "Investment",
        "average_monthly_balance_usd": 76234.36,
        "last_statement_date": "2025-06-14"
      },
      {
        "bank_name": "Hawkins, Jenkins and Dean",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 50022.0,
        "last_statement_date": "2025-06-30"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.46 is a moderate concern. Credit score of 692 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 76,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report.",
      "Verification of employment for the last 24 months.",
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-04"
}