<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-2007-64277
**Date of Review:** 2025-08-10

This report summarizes the comprehensive underwriting review for the application submitted by David Nixon. The request is for a Mortgage Refinance totaling $583,110.70. The specified purpose for the funds is: 'Check interest free know tree dark usually.'.

**Applicant Profile & Financials:**
The applicant, born 1992-10-07, currently resides at 348 Obrien Square Apt. 513, Markhaven, DE 64384, where they have lived for 51 months. Identity was cross-verified using the provided SSN suffix (****-6428). All communications have been directed to casey53@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $672,291.03. The primary credit bureau returned a score of 631. This results in a calculated debt-to-income (DTI) ratio of 30.00%. A review of liquid assets shows several accounts, including a Checking account at Perry PLC with an average balance of $62,771.50 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 profile is generally positive, but the DTI of 0.3 is a moderate concern. Credit score of 631 is acceptable. Recommend approval subject to verification of liquid assets. This assessment yields a composite risk score of 78 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. Receipt of updated bank statements showing sufficient closing funds.
</data>
{
  "loan_application_id": "LLA-2007-64277",
  "applicant_details": {
    "name": "David Nixon",
    "date_of_birth": "1992-10-07",
    "ssn_last_4_digits": "6428",
    "contact_info": {
      "email": "casey53@example.net",
      "phone_number": "250-511-5396"
    },
    "residential_history": [
      {
        "address": "348 Obrien Square Apt. 513, Markhaven, DE 64384",
        "duration_months": 51,
        "is_current": true
      },
      {
        "address": "485 Nathan Keys Suite 182, Gonzalezport, MS 30314",
        "duration_months": 17,
        "is_current": false
      },
      {
        "address": "Unit 7792 Box 3269, DPO AA 79453",
        "duration_months": 53,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 583110.7,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Check interest free know tree dark usually."
  },
  "financial_summary": {
    "annual_income_usd": 672291.03,
    "debt_to_income_ratio": 0.3,
    "credit_score": 631,
    "bank_accounts": [
      {
        "bank_name": "Perry PLC",
        "account_type": "Checking",
        "average_monthly_balance_usd": 62771.5,
        "last_statement_date": "2025-07-09"
      },
      {
        "bank_name": "Christensen-Black",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 39213.48,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Smith, Gordon and Martinez",
        "account_type": "Savings",
        "average_monthly_balance_usd": 63526.32,
        "last_statement_date": "2025-07-13"
      },
      {
        "bank_name": "Nelson Group",
        "account_type": "Checking",
        "average_monthly_balance_usd": 64109.19,
        "last_statement_date": "2025-06-27"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant profile is generally positive, but the DTI of 0.3 is a moderate concern. Credit score of 631 is acceptable. Recommend approval subject to verification of liquid assets.",
    "risk_score_out_of_100": 78,
    "recommended_action": "Approve_with_Conditions",
    "conditions_for_approval": [
      "Receipt of updated bank statements showing sufficient closing funds."
    ]
  },
  "application_status": "Pending_Conditions",
  "underwriting_date": "2025-08-10"
}