<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-2004-94969
**Date of Review:** 2025-08-03

This report summarizes the comprehensive underwriting review for the application submitted by Jacob Ayala. The request is for a Mortgage Refinance totaling $943,477.37. The specified purpose for the funds is: 'Message minute affect short administration two later however after level.'.

**Applicant Profile & Financials:**
The applicant, born 1988-04-29, currently resides at 03871 Martin Greens, Barnettville, IN 89969, where they have lived for 62 months. Identity was cross-verified using the provided SSN suffix (****-9356). All communications have been directed to stephenanderson@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $940,653.11. The primary credit bureau returned a score of 803. This results in a calculated debt-to-income (DTI) ratio of 17.00%. A review of liquid assets shows several accounts, including a Checking account at Miles Inc with an average balance of $50,271.90 according to the statement dated 2025-06-16. 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 (803) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.17) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 92 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-2004-94969",
  "applicant_details": {
    "name": "Jacob Ayala",
    "date_of_birth": "1988-04-29",
    "ssn_last_4_digits": "9356",
    "contact_info": {
      "email": "stephenanderson@example.org",
      "phone_number": "001-587-642-6291"
    },
    "residential_history": [
      {
        "address": "03871 Martin Greens, Barnettville, IN 89969",
        "duration_months": 62,
        "is_current": true
      },
      {
        "address": "4135 Crystal Island Apt. 731, Port Claudiaport, OH 51048",
        "duration_months": 18,
        "is_current": false
      },
      {
        "address": "5334 Lee Rapid Suite 627, Williamville, IA 85477",
        "duration_months": 51,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 943477.37,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Message minute affect short administration two later however after level."
  },
  "financial_summary": {
    "annual_income_usd": 940653.11,
    "debt_to_income_ratio": 0.17,
    "credit_score": 803,
    "bank_accounts": [
      {
        "bank_name": "Miles Inc",
        "account_type": "Checking",
        "average_monthly_balance_usd": 50271.9,
        "last_statement_date": "2025-06-16"
      },
      {
        "bank_name": "Miller-Sanchez",
        "account_type": "Investment",
        "average_monthly_balance_usd": 71883.11,
        "last_statement_date": "2025-07-11"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (803) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.17) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 92,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-03"
}