<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-1975-17750
**Date of Review:** 2025-07-27

This report summarizes the comprehensive underwriting review for the application submitted by Brent Castillo. The request is for a Business Expansion Loan totaling $102,701.49. The specified purpose for the funds is: 'Meeting compare deal cell majority resource vote skin.'.

**Applicant Profile & Financials:**
The applicant, born 1985-09-09, currently resides at 262 Stephanie Orchard, Josephtown, KS 41905, where they have lived for 40 months. Identity was cross-verified using the provided SSN suffix (****-7134). All communications have been directed to brittanyjohnson@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $489,503.32. The primary credit bureau returned a score of 782. This results in a calculated debt-to-income (DTI) ratio of 45.00%. A review of liquid assets shows several accounts, including a Investment account at Neal, Hill and Long with an average balance of $49,955.25 according to the statement dated 2025-06-23. 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 Residential Property with a reported value of $4,691,273.08. The most recent appraisal was conducted on 2025-06-08. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (782) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.45) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 82 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-1975-17750",
  "applicant_details": {
    "name": "Brent Castillo",
    "date_of_birth": "1985-09-09",
    "ssn_last_4_digits": "7134",
    "contact_info": {
      "email": "brittanyjohnson@example.net",
      "phone_number": "764.276.4534"
    },
    "residential_history": [
      {
        "address": "262 Stephanie Orchard, Josephtown, KS 41905",
        "duration_months": 40,
        "is_current": true
      },
      {
        "address": "197 Wang Via, Lake Karen, GU 78099",
        "duration_months": 67,
        "is_current": false
      },
      {
        "address": "91978 Claudia Roads Apt. 916, Port Tracy, TN 98819",
        "duration_months": 58,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 102701.49,
    "loan_type": "Business_Expansion_Loan",
    "loan_purpose": "Meeting compare deal cell majority resource vote skin.",
    "collateral": [
      {
        "asset_type": "Residential Property",
        "estimated_value": 4691273.08,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-06-08"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 489503.32,
    "debt_to_income_ratio": 0.45,
    "credit_score": 782,
    "bank_accounts": [
      {
        "bank_name": "Neal, Hill and Long",
        "account_type": "Investment",
        "average_monthly_balance_usd": 49955.25,
        "last_statement_date": "2025-06-23"
      },
      {
        "bank_name": "Harris, Rogers and Roberts",
        "account_type": "Investment",
        "average_monthly_balance_usd": 20447.38,
        "last_statement_date": "2025-06-19"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (782) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.45) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 82,
    "recommended_action": "Approve_with_Standard_Terms"
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-27"
}