<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-1990-20129
**Date of Review:** 2025-08-06

This report summarizes the comprehensive underwriting review for the application submitted by Wendy Mendoza. The request is for a Personal Loan totaling $475,526.15. The specified purpose for the funds is: 'Congress score whom technology final speak.'.

**Applicant Profile & Financials:**
The applicant, born 1992-11-01, currently resides at 094 Brenda Lodge, West Shelleyside, AZ 11833, where they have lived for 50 months. Identity was cross-verified using the provided SSN suffix (****-0593). All communications have been directed to melissa67@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $948,814.98. The primary credit bureau returned a score of 799. 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 Davis-Beck with an average balance of $75,126.16 according to the statement dated 2025-06-21. 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 Commercial Real Estate with a reported value of $4,926,413.51. The most recent appraisal was conducted on 2025-08-01. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (799) 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 91 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-1990-20129",
  "applicant_details": {
    "name": "Wendy Mendoza",
    "date_of_birth": "1992-11-01",
    "ssn_last_4_digits": "0593",
    "contact_info": {
      "email": "melissa67@example.net",
      "phone_number": "935-325-6174x39814"
    },
    "residential_history": [
      {
        "address": "094 Brenda Lodge, West Shelleyside, AZ 11833",
        "duration_months": 50,
        "is_current": true
      },
      {
        "address": "0501 Taylor Mews Apt. 791, Lake David, LA 14912",
        "duration_months": 57,
        "is_current": false
      },
      {
        "address": "30224 Sanchez Hill Apt. 986, South Emilychester, SC 38064",
        "duration_months": 24,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 475526.15,
    "loan_type": "Personal_Loan",
    "loan_purpose": "Congress score whom technology final speak.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 4926413.51,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-08-01"
      },
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 7185854.61,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-06-11"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 948814.98,
    "debt_to_income_ratio": 0.17,
    "credit_score": 799,
    "bank_accounts": [
      {
        "bank_name": "Davis-Beck",
        "account_type": "Checking",
        "average_monthly_balance_usd": 75126.16,
        "last_statement_date": "2025-06-21"
      },
      {
        "bank_name": "Gilbert-Smith",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 73812.12,
        "last_statement_date": "2025-06-27"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (799) 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": 91,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-06"
}