<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-2007-53788
**Date of Review:** 2025-07-31

This report summarizes the comprehensive underwriting review for the application submitted by Peter Robinson. The request is for a Mortgage Refinance totaling $411,010.84. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1992-03-26, currently resides at 79049 Francis Fords, Kimmouth, HI 34092, where they have lived for 20 months. Identity was cross-verified using the provided SSN suffix (****-1330). All communications have been directed to david30@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $758,157.36. The primary credit bureau returned a score of 614. This results in a calculated debt-to-income (DTI) ratio of 20.00%. A review of liquid assets shows several accounts, including a Money Market account at Murphy-Williams with an average balance of $98,439.19 according to the statement dated 2025-06-19. 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 0.2 is a moderate concern. Credit score of 614 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 80 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. Proof of hazard insurance for the subject property.
2. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-2007-53788",
  "applicant_details": {
    "name": "Peter Robinson",
    "date_of_birth": "1992-03-26",
    "ssn_last_4_digits": "1330",
    "contact_info": {
      "email": "david30@example.org",
      "phone_number": "(697)898-1232x8162"
    },
    "residential_history": [
      {
        "address": "79049 Francis Fords, Kimmouth, HI 34092",
        "duration_months": 20,
        "is_current": true
      },
      {
        "address": "82357 Tyler Shoal, West Brad, AR 57637",
        "duration_months": 27,
        "is_current": false
      },
      {
        "address": "6227 Willie Views Suite 024, Wheelerfort, NC 52014",
        "duration_months": 12,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 411010.84,
    "loan_type": "Mortgage_Refinance"
  },
  "financial_summary": {
    "annual_income_usd": 758157.36,
    "debt_to_income_ratio": 0.2,
    "credit_score": 614,
    "bank_accounts": [
      {
        "bank_name": "Murphy-Williams",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 98439.19,
        "last_statement_date": "2025-06-19"
      },
      {
        "bank_name": "Gibson, Martin and Boyd",
        "account_type": "Checking",
        "average_monthly_balance_usd": 38325.08,
        "last_statement_date": "2025-06-22"
      },
      {
        "bank_name": "Mitchell-Calhoun",
        "account_type": "Savings",
        "average_monthly_balance_usd": 73294.76,
        "last_statement_date": "2025-06-15"
      },
      {
        "bank_name": "Gallagher, Hale and Richard",
        "account_type": "Investment",
        "average_monthly_balance_usd": 49218.12,
        "last_statement_date": "2025-06-20"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.2 is a moderate concern. Credit score of 614 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 80,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Proof of hazard insurance for the subject property.",
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-31"
}