<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-2016-63453
**Date of Review:** 2025-08-11

This report summarizes the comprehensive underwriting review for the application submitted by Nicholas Bennett. The request is for a New Home Purchase totaling $845,100.39. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1996-03-15, currently resides at 9351 Brooks Drive Apt. 074, Ashleyton, NH 33152, where they have lived for 40 months. Identity was cross-verified using the provided SSN suffix (****-0282). All communications have been directed to kimberlyhenderson@example.com.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $437,351.12. The primary credit bureau returned a score of 834. This results in a calculated debt-to-income (DTI) ratio of 43.00%. A review of liquid assets shows several accounts, including a Checking account at Wolf, Douglas and Pineda with an average balance of $33,661.11 according to the statement dated 2025-07-11. 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 (834) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.43) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 86 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-2016-63453",
  "applicant_details": {
    "name": "Nicholas Bennett",
    "date_of_birth": "1996-03-15",
    "ssn_last_4_digits": "0282",
    "contact_info": {
      "email": "kimberlyhenderson@example.com",
      "phone_number": "772.242.4322"
    },
    "residential_history": [
      {
        "address": "9351 Brooks Drive Apt. 074, Ashleyton, NH 33152",
        "duration_months": 40,
        "is_current": true
      },
      {
        "address": "051 Jeffery Plain Suite 672, West Francisco, SC 02428",
        "duration_months": 64,
        "is_current": false
      },
      {
        "address": "193 Richardson Ways Apt. 504, Port Carrieport, PW 08962",
        "duration_months": 19,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 845100.39,
    "loan_type": "New_Home_Purchase"
  },
  "financial_summary": {
    "annual_income_usd": 437351.12,
    "debt_to_income_ratio": 0.43,
    "credit_score": 834,
    "bank_accounts": [
      {
        "bank_name": "Wolf, Douglas and Pineda",
        "account_type": "Checking",
        "average_monthly_balance_usd": 33661.11,
        "last_statement_date": "2025-07-11"
      },
      {
        "bank_name": "Moore, Campbell and Marsh",
        "account_type": "Savings",
        "average_monthly_balance_usd": 43722.85,
        "last_statement_date": "2025-06-30"
      },
      {
        "bank_name": "Elliott-Rogers",
        "account_type": "Investment",
        "average_monthly_balance_usd": 14504.43,
        "last_statement_date": "2025-07-11"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (834) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.43) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 86,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-11"
}