<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-2011-64204
**Date of Review:** 2025-08-05

This report summarizes the comprehensive underwriting review for the application submitted by Dale Wood. The request is for a Mortgage Refinance totaling $267,871.04. The specified purpose for the funds is: 'Report tough pattern throughout catch.'.

**Applicant Profile & Financials:**
The applicant, born 1991-11-09, currently resides at PSC 1895, Box 3040, APO AP 76992, where they have lived for 17 months. Identity was cross-verified using the provided SSN suffix (****-0113). All communications have been directed to sharpjay@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $600,721.69. The primary credit bureau returned a score of 786. This results in a calculated debt-to-income (DTI) ratio of 23.00%. A review of liquid assets shows several accounts, including a Money Market account at Haynes, Carr and Becker with an average balance of $92,487.33 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 has strong credit history (786) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.23) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 89 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-2011-64204",
  "applicant_details": {
    "name": "Dale Wood",
    "date_of_birth": "1991-11-09",
    "ssn_last_4_digits": "0113",
    "contact_info": {
      "email": "sharpjay@example.org",
      "phone_number": "+1-774-941-1187"
    },
    "residential_history": [
      {
        "address": "PSC 1895, Box 3040, APO AP 76992",
        "duration_months": 17,
        "is_current": true
      },
      {
        "address": "836 Wilkinson Turnpike Suite 366, New Dana, SC 71189",
        "duration_months": 32,
        "is_current": false
      },
      {
        "address": "947 David Vista, Romeroport, VI 28301",
        "duration_months": 32,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 267871.04,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Report tough pattern throughout catch."
  },
  "financial_summary": {
    "annual_income_usd": 600721.69,
    "debt_to_income_ratio": 0.23,
    "credit_score": 786,
    "bank_accounts": [
      {
        "bank_name": "Haynes, Carr and Becker",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 92487.33,
        "last_statement_date": "2025-07-09"
      },
      {
        "bank_name": "Frederick, Wade and Dennis",
        "account_type": "Savings",
        "average_monthly_balance_usd": 61805.69,
        "last_statement_date": "2025-06-24"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (786) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.23) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 89,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-08-05"
}