<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-1975-46642
**Date of Review:** 2025-07-28

This report summarizes the comprehensive underwriting review for the application submitted by Brenda Martinez. The request is for a New Home Purchase totaling $777,405.77. The specified purpose for the funds is: 'Pull various need especially time camera day.'.

**Applicant Profile & Financials:**
The applicant, born 1972-05-03, currently resides at 10960 Jennifer Bridge, Lake Gloria, NJ 26295, where they have lived for 21 months. Identity was cross-verified using the provided SSN suffix (****-7260). All communications have been directed to matthew26@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $686,841.18. The primary credit bureau returned a score of 791. This results in a calculated debt-to-income (DTI) ratio of 64.00%. A review of liquid assets shows several accounts, including a Checking account at Williams Ltd with an average balance of $90,642.87 according to the statement dated 2025-07-09. 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 0.64 is a moderate concern. Credit score of 791 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 77 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. Receipt of updated bank statements showing sufficient closing funds.
2. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-1975-46642",
  "applicant_details": {
    "name": "Brenda Martinez",
    "date_of_birth": "1972-05-03",
    "ssn_last_4_digits": "7260",
    "contact_info": {
      "email": "matthew26@example.org",
      "phone_number": "+1-570-897-1545"
    },
    "residential_history": [
      {
        "address": "10960 Jennifer Bridge, Lake Gloria, NJ 26295",
        "duration_months": 21,
        "is_current": true
      },
      {
        "address": "8789 Kramer Field, North Maurice, ME 49655",
        "duration_months": 41,
        "is_current": false
      },
      {
        "address": "3196 Allen Haven Suite 646, Port Linda, AK 67103",
        "duration_months": 38,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 777405.77,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Pull various need especially time camera day."
  },
  "financial_summary": {
    "annual_income_usd": 686841.18,
    "debt_to_income_ratio": 0.64,
    "credit_score": 791,
    "bank_accounts": [
      {
        "bank_name": "Williams Ltd",
        "account_type": "Checking",
        "average_monthly_balance_usd": 90642.87,
        "last_statement_date": "2025-07-09"
      },
      {
        "bank_name": "Mosley, Gonzalez and Johnson",
        "account_type": "Checking",
        "average_monthly_balance_usd": 25494.89,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "Mcdowell Ltd",
        "account_type": "Checking",
        "average_monthly_balance_usd": 88405.24,
        "last_statement_date": "2025-07-08"
      },
      {
        "bank_name": "White Group",
        "account_type": "Savings",
        "average_monthly_balance_usd": 55450.52,
        "last_statement_date": "2025-07-08"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.64 is a moderate concern. Credit score of 791 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 77,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds.",
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-28"
}