<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-1977-74008
**Date of Review:** 2025-07-29

This report summarizes the comprehensive underwriting review for the application submitted by Fernando Willis. The request is for a Mortgage Refinance totaling $815,071.48. The specified purpose for the funds is: 'Particularly view picture maybe local quite probably beautiful cup southern.'.

**Applicant Profile & Financials:**
The applicant, born 1996-10-30, currently resides at 821 Jill Vista, West Kennethtown, AR 23337, where they have lived for 53 months. Identity was cross-verified using the provided SSN suffix (****-3331). All communications have been directed to thomas78@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $589,560.48. The primary credit bureau returned a score of 828. This results in a calculated debt-to-income (DTI) ratio of 36.00%. A review of liquid assets shows several accounts, including a Money Market account at Griffith-Hill with an average balance of $79,363.55 according to the statement dated 2025-06-26. 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 has strong credit history (828) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.36) 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-1977-74008",
  "applicant_details": {
    "name": "Fernando Willis",
    "date_of_birth": "1996-10-30",
    "ssn_last_4_digits": "3331",
    "contact_info": {
      "email": "thomas78@example.com",
      "phone_number": "310.965.8392x1947"
    },
    "residential_history": [
      {
        "address": "821 Jill Vista, West Kennethtown, AR 23337",
        "duration_months": 53,
        "is_current": true
      },
      {
        "address": "13791 Mary Camp, North Chadborough, MH 66250",
        "duration_months": 29,
        "is_current": false
      },
      {
        "address": "26362 Evelyn Grove, East Stephanieview, WA 48298",
        "duration_months": 55,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 815071.48,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Particularly view picture maybe local quite probably beautiful cup southern."
  },
  "financial_summary": {
    "annual_income_usd": 589560.48,
    "debt_to_income_ratio": 0.36,
    "credit_score": 828,
    "bank_accounts": [
      {
        "bank_name": "Griffith-Hill",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 79363.55,
        "last_statement_date": "2025-06-26"
      },
      {
        "bank_name": "Jones, Gillespie and Rogers",
        "account_type": "Savings",
        "average_monthly_balance_usd": 91081.18,
        "last_statement_date": "2025-06-23"
      },
      {
        "bank_name": "Gates, Brooks and Marshall",
        "account_type": "Checking",
        "average_monthly_balance_usd": 86675.75,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Boone Inc",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 18855.56,
        "last_statement_date": "2025-07-04"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (828) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.36) 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": "2025-07-29"
}