<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-2001-77869
**Date of Review:** 2025-07-26

This report summarizes the comprehensive underwriting review for the application submitted by Diane Gonzalez. The request is for a New Home Purchase totaling $665,602.02. The specified purpose for the funds is: 'Someone financial throw game subject yet home moment most finally.'.

**Applicant Profile & Financials:**
The applicant, born 1958-02-06, currently resides at USS Tapia, FPO AA 03834, where they have lived for 61 months. Identity was cross-verified using the provided SSN suffix (****-6005). All communications have been directed to michele38@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $316,653.92. The primary credit bureau returned a score of 552. This results in a calculated debt-to-income (DTI) ratio of 47.00%. A review of liquid assets shows several accounts, including a Investment account at Lee-Cook with an average balance of $67,678.33 according to the statement dated 2025-06-15. Market conditions have been stable, although we noted a slight dip in the index last Tuesday, which is considered immaterial to this assessment.

**Collateral Assessment:**
The loan is to be secured by a Marketable Securities with a reported value of $3,852,035.11. The most recent appraisal was conducted on 2025-05-31. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.47 is a moderate concern. Credit score of 552 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 68 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-2001-77869",
  "applicant_details": {
    "name": "Diane Gonzalez",
    "date_of_birth": "1958-02-06",
    "ssn_last_4_digits": "6005",
    "contact_info": {
      "email": "michele38@example.net",
      "phone_number": "+1-313-308-5151x88663"
    },
    "residential_history": [
      {
        "address": "USS Tapia, FPO AA 03834",
        "duration_months": 61,
        "is_current": true
      },
      {
        "address": "69942 Oliver Centers, Tonihaven, ME 27507",
        "duration_months": 30,
        "is_current": false
      },
      {
        "address": "Unit 2402 Box 4283, DPO AA 51528",
        "duration_months": 28,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 665602.02,
    "loan_type": "New_Home_Purchase",
    "loan_purpose": "Someone financial throw game subject yet home moment most finally.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 3852035.11,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-05-31"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 4382793.74,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-06-19"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 316653.92,
    "debt_to_income_ratio": 0.47,
    "credit_score": 552,
    "bank_accounts": [
      {
        "bank_name": "Lee-Cook",
        "account_type": "Investment",
        "average_monthly_balance_usd": 67678.33,
        "last_statement_date": "2025-06-15"
      },
      {
        "bank_name": "Rodriguez, Young and Ross",
        "account_type": "Checking",
        "average_monthly_balance_usd": 41211.37,
        "last_statement_date": "2025-06-21"
      },
      {
        "bank_name": "Fischer, Terry and Valdez",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 54158.93,
        "last_statement_date": "2025-07-13"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.47 is a moderate concern. Credit score of 552 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 68,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Satisfactory final appraisal report."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-26"
}