<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-2000-92808
**Date of Review:** 2025-08-08

This report summarizes the comprehensive underwriting review for the application submitted by William Marsh. The request is for a New Home Purchase totaling $908,082.16. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1958-12-07, currently resides at 32508 Veronica Roads Apt. 556, Wadefurt, OH 65899, where they have lived for 70 months. Identity was cross-verified using the provided SSN suffix (****-7569). All communications have been directed to holtjennifer@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $545,508.73. The primary credit bureau returned a score of 593. This results in a calculated debt-to-income (DTI) ratio of 46.00%. A review of liquid assets shows several accounts, including a Investment account at Mclaughlin-Hernandez with an average balance of $79,133.00 according to the statement dated 2025-06-27. 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 0.46 is a moderate concern. Credit score of 593 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 71 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. Satisfactory final appraisal report.
</data>
{
  "loan_application_id": "LLA-2000-92808",
  "applicant_details": {
    "name": "William Marsh",
    "date_of_birth": "1958-12-07",
    "ssn_last_4_digits": "7569",
    "contact_info": {
      "email": "holtjennifer@example.net",
      "phone_number": "(330)626-2072"
    },
    "residential_history": [
      {
        "address": "32508 Veronica Roads Apt. 556, Wadefurt, OH 65899",
        "duration_months": 70,
        "is_current": true
      },
      {
        "address": "3539 Whitney Rue, New Allen, MH 87170",
        "duration_months": 19,
        "is_current": false
      },
      {
        "address": "3628 Kara Field, South Cindyhaven, CA 33682",
        "duration_months": 40,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 908082.16,
    "loan_type": "New_Home_Purchase"
  },
  "financial_summary": {
    "annual_income_usd": 545508.73,
    "debt_to_income_ratio": 0.46,
    "credit_score": 593,
    "bank_accounts": [
      {
        "bank_name": "Mclaughlin-Hernandez",
        "account_type": "Investment",
        "average_monthly_balance_usd": 79133.0,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "Johnson-Cruz",
        "account_type": "Checking",
        "average_monthly_balance_usd": 58197.13,
        "last_statement_date": "2025-06-16"
      },
      {
        "bank_name": "Ray-Williams",
        "account_type": "Savings",
        "average_monthly_balance_usd": 11216.91,
        "last_statement_date": "2025-07-02"
      },
      {
        "bank_name": "Walsh PLC",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 83790.89,
        "last_statement_date": "2025-06-17"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.46 is a moderate concern. Credit score of 593 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 71,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-08"
}