<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-2003-32546
**Date of Review:** 2025-07-19

This report summarizes the comprehensive underwriting review for the application submitted by Jesse Ayers. The request is for a New Home Purchase totaling $599,135.34. No specific purpose was detailed in the application's optional section.

**Applicant Profile & Financials:**
The applicant, born 1974-10-02, currently resides at 97841 Rhonda Roads, Joannestad, MI 11357, where they have lived for 30 months. Identity was cross-verified using the provided SSN suffix (****-1836). All communications have been directed to grantjessica@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $253,002.55. The primary credit bureau returned a score of 600. This results in a calculated debt-to-income (DTI) ratio of 29.00%. A review of liquid assets shows several accounts, including a Checking account at White, Bullock and Nixon with an average balance of $55,173.01 according to the statement dated 2025-07-07. 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 $6,004,459.68. The most recent appraisal was conducted on 2025-07-24. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant profile is generally positive, but the DTI of 0.29 is a moderate concern. Credit score of 600 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 76 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. Verification of employment for the last 24 months.
</data>
{
  "loan_application_id": "LLA-2003-32546",
  "applicant_details": {
    "name": "Jesse Ayers",
    "date_of_birth": "1974-10-02",
    "ssn_last_4_digits": "1836",
    "contact_info": {
      "email": "grantjessica@example.org",
      "phone_number": "(612)785-9616"
    },
    "residential_history": [
      {
        "address": "97841 Rhonda Roads, Joannestad, MI 11357",
        "duration_months": 30,
        "is_current": true
      },
      {
        "address": "6748 Andrew Meadows Suite 911, Codystad, SC 77306",
        "duration_months": 49,
        "is_current": false
      },
      {
        "address": "6598 Charles Loaf, Johnsonview, LA 35323",
        "duration_months": 59,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 599135.34,
    "loan_type": "New_Home_Purchase",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 6004459.68,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-07-24"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 5992864.54,
        "lien_status": "First_Lien"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 253002.55,
    "debt_to_income_ratio": 0.29,
    "credit_score": 600,
    "bank_accounts": [
      {
        "bank_name": "White, Bullock and Nixon",
        "account_type": "Checking",
        "average_monthly_balance_usd": 55173.01,
        "last_statement_date": "2025-07-07"
      },
      {
        "bank_name": "Daniel LLC",
        "account_type": "Savings",
        "average_monthly_balance_usd": 49275.16,
        "last_statement_date": "2025-07-04"
      },
      {
        "bank_name": "Ryan-Christensen",
        "account_type": "Investment",
        "average_monthly_balance_usd": 52109.44,
        "last_statement_date": "2025-06-23"
      },
      {
        "bank_name": "Perry Ltd",
        "account_type": "Checking",
        "average_monthly_balance_usd": 58866.07,
        "last_statement_date": "2025-07-09"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.29 is a moderate concern. Credit score of 600 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 76,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Verification of employment for the last 24 months."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-07-19"
}