<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-1976-95516
**Date of Review:** 2025-07-31

This report summarizes the comprehensive underwriting review for the application submitted by Henry Mcgee. The request is for a Mortgage Refinance totaling $705,401.64. The specified purpose for the funds is: 'Despite Democrat consumer picture pattern assume.'.

**Applicant Profile & Financials:**
The applicant, born 1970-06-18, currently resides at 20451 Scott Causeway Apt. 686, Blanchardtown, NE 82313, where they have lived for 70 months. Identity was cross-verified using the provided SSN suffix (****-9539). All communications have been directed to thompsonshannon@example.net.
The applicant's financial standing was evaluated based on submitted documentation. The reported annual income is $677,946.16. The primary credit bureau returned a score of 756. This results in a calculated debt-to-income (DTI) ratio of 40.00%. A review of liquid assets shows several accounts, including a Checking account at Farmer-Cooper with an average balance of $50,727.61 according to the statement dated 2025-06-18. 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 Commercial Real Estate with a reported value of $2,178,988.08. The most recent appraisal was conducted on 2025-07-21. The title search confirms its status as First_Lien.

**Risk Evaluation & Recommendation:**
Internal Memo: Applicant has strong credit history (756) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.4) 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-1976-95516",
  "applicant_details": {
    "name": "Henry Mcgee",
    "date_of_birth": "1970-06-18",
    "ssn_last_4_digits": "9539",
    "contact_info": {
      "email": "thompsonshannon@example.net",
      "phone_number": "9275166343"
    },
    "residential_history": [
      {
        "address": "20451 Scott Causeway Apt. 686, Blanchardtown, NE 82313",
        "duration_months": 70,
        "is_current": true
      },
      {
        "address": "992 Michael Union Apt. 237, Cynthiamouth, MN 84495",
        "duration_months": 44,
        "is_current": false
      },
      {
        "address": "0745 Deborah Island, Port Toddview, MO 82694",
        "duration_months": 35,
        "is_current": false
      }
    ]
  },
  "loan_request": {
    "amount_requested": 705401.64,
    "loan_type": "Mortgage_Refinance",
    "loan_purpose": "Despite Democrat consumer picture pattern assume.",
    "collateral": [
      {
        "asset_type": "Commercial Real Estate",
        "estimated_value": 2178988.08,
        "lien_status": "First_Lien",
        "appraisal_date": "2025-07-21"
      },
      {
        "asset_type": "Business Equipment",
        "estimated_value": 3820062.03,
        "lien_status": "Unencumbered",
        "appraisal_date": "2025-06-02"
      }
    ]
  },
  "financial_summary": {
    "annual_income_usd": 677946.16,
    "debt_to_income_ratio": 0.4,
    "credit_score": 756,
    "bank_accounts": [
      {
        "bank_name": "Farmer-Cooper",
        "account_type": "Checking",
        "average_monthly_balance_usd": 50727.61,
        "last_statement_date": "2025-06-18"
      },
      {
        "bank_name": "Little Inc",
        "account_type": "Checking",
        "average_monthly_balance_usd": 27277.85,
        "last_statement_date": "2025-07-06"
      },
      {
        "bank_name": "Larsen, Rivas and Hood",
        "account_type": "Checking",
        "average_monthly_balance_usd": 47313.69,
        "last_statement_date": "2025-06-27"
      },
      {
        "bank_name": "Harris Inc",
        "account_type": "Money Market",
        "average_monthly_balance_usd": 19591.97,
        "last_statement_date": "2025-06-25"
      }
    ]
  },
  "risk_assessment": {
    "underwriter_notes": "Applicant has strong credit history (756) and stable employment. Collateral valuation is robust. Debt-to-income ratio (0.4) 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": "2025-07-31"
}