<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-1999-12581
**Date of Review:** 2025-07-18

This report summarizes the comprehensive underwriting review for the application submitted by Matthew Smith. The request is for a Mortgage Refinance totaling $921,096.50. The specified purpose for the funds is: 'Against hit door here expert yourself.'.

**Applicant Profile & Financials:**
The applicant, born 1971-03-13, currently resides at USNS Rivera, FPO AA 49101, where they have lived for 45 months. Identity was cross-verified using the provided SSN suffix (****-3765). All communications have been directed to clane@example.org.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $593,268.10. The primary credit bureau returned a score of 821. This results in a calculated debt-to-income (DTI) ratio of 35.00%. A review of liquid assets shows several accounts, including a Investment account at Russell Group with an average balance of $44,568.35 according to the statement dated 2025-06-16. 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 $9,033,801.73. The title search confirms its status as Unencumbered.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (821) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.35) is well within acceptable limits. Low risk profile identified. This assessment yields a composite risk score of 87 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'.
**Stipulations for Funding:**
1. Standard audit and verification of all submitted documents prior to funding.
</data>
{
  "loan_application_id": "LLA-1999-12581",
  "applicant_details": {
    "name": "Matthew Smith",
    "date_of_birth": "1971-03-13",
    "ssn_last_4_digits": "3765",
    "contact_info": {
      "email": "clane@example.org",
      "phone_number": "(452)591-2643"
    },
    "residential_history": [
      {
        "address": "USNS Rivera, FPO AA 49101",
        "duration_months": 45,
        "is_current": true
      },
      {
        "address": "794 Elizabeth Hollow Apt. 333, Jillport, CA 10851",
        "duration_months": 33,
        "is_current": false
      },
      {
        "address": "7397 Wilson Fork, West Georgeport, AR 85882",
        "duration_months": 49,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 921096.5,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Against hit door here expert yourself.",
    "collateral": [
      {
        "asset_type": "Marketable Securities",
        "estimated_value": 9033801.73,
        "lien_status": "Unencumbered"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 593268.1,
    "debt_to_income_ratio": 0.35,
    "credit_score": 821,
    "bank_accounts": [
      {
        "bank_name": "Russell Group",
        "account_type": "Investment",
        "average_monthly_balance_usd": 44568.35,
        "last_statement_date": "2025-06-16"
      },
      {
        "bank_name": "Hardin Ltd",
        "account_type": "Savings",
        "average_monthly_balance_usd": 43399.56,
        "last_statement_date": "2025-07-05"
      },
      {
        "bank_name": "Miller Inc",
        "account_type": "Investment",
        "average_monthly_balance_usd": 77620.01,
        "last_statement_date": "2025-06-27"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (821) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.35) is well within acceptable limits. Low risk profile identified.",
    "risk_score_out_of_100": 87,
    "recommended_action": "Approve_with_Standard_Terms",
    "conditions_for_approval": [
      "Standard audit and verification of all submitted documents prior to funding."
    ]
  },
  "application_status": "Approved",
  "underwriting_date": "2025-07-18"
}