<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-1971-36058
**Date of Review:** 2025-07-24

This report summarizes the comprehensive underwriting review for the application submitted by Samantha Yu. The request is for a New Home Purchase totaling $860,256.46. The specified purpose for the funds is: 'Forward a seven to local inside little data agent provide.'.

**Applicant Profile & Financials:**
The applicant, born 1983-02-25, currently resides at 41647 Edwin Grove Suite 312, North Margaretside, KS 86727, where they have lived for 66 months. Identity was cross-verified using the provided SSN suffix (****-8831). All communications have been directed to josephstanley@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $144,878.42. The primary credit bureau returned a score of 568. This results in a calculated debt-to-income (DTI) ratio of 58.00%. A review of liquid assets shows several accounts, including a Checking account at Jackson and Sons with an average balance of $42,491.57 according to the statement dated 2025-07-01. 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 Marketable Securities with a reported value of $6,560,103.49. The most recent appraisal was conducted on 2025-05-23. The title search confirms its status as Second_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: High risk profile. The combination of a low credit score (568) and a high debt-to-income ratio (0.58) exceeds our risk tolerance. Applicant's income does not sufficiently offset the risk. This assessment yields a composite risk score of 60 out of 100.
**Final Decision:** Based on the factors outlined, the recommended action is **Decline**. The system status for this application has been updated to 'Declined'.
</data>
{
  "loan_application_id": "LLA-1971-36058",
  "applicant_details": {
    "name": "Samantha Yu",
    "date_of_birth": "1983-02-25",
    "ssn_last_4_digits": "8831",
    "contact_info": {
      "email": "josephstanley@example.com",
      "phone_number": "627.780.6759"
    },
    "residential_history": [
      {
        "address": "41647 Edwin Grove Suite 312, North Margaretside, KS 86727",
        "duration_months": 66,
        "is_current": true
      },
      {
        "address": "USCGC Phillips, FPO AE 82368",
        "duration_months": 25,
        "is_current": false
      },
      {
        "address": "884 Walls Harbor Apt. 954, South Raymondburgh, NY 06814",
        "duration_months": 35,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 860256.46,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Forward a seven to local inside little data agent provide.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 6560103.49,
        "lien_status": "Second_Lien",
        "appraisal_date": "2025-05-23"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 144878.42,
    "debt_to_income_ratio": 0.58,
    "credit_score": 568,
    "bank_accounts": [
      {
        "bank_name": "Jackson and Sons",
        "account_type": "Checking",
        "average_monthly_balance_usd": 42491.57,
        "last_statement_date": "2025-07-01"
      },
      {
        "bank_name": "Sherman Ltd",
        "account_type": "Investment",
        "average_monthly_balance_usd": 45025.25,
        "last_statement_date": "2025-06-30"
      },
      {
        "bank_name": "Hull, Miles and Richardson",
        "account_type": "Savings",
        "average_monthly_balance_usd": 31770.83,
        "last_statement_date": "2025-06-29"
      },
      {
        "bank_name": "Ellis, Fuller and Rodriguez",
        "account_type": "Checking",
        "average_monthly_balance_usd": 76370.85,
        "last_statement_date": "2025-07-09"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "High risk profile. The combination of a low credit score (568) and a high debt-to-income ratio (0.58) exceeds our risk tolerance. Applicant's income does not sufficiently offset the risk.",
    "risk_score_out_of_100": 60,
    "recommended_action": "Decline"
  },
  "application_status": "Declined",
  "underwriting_date": "2025-07-24"
}