{
  "schema_version": "1.0",
  "table": "underwriting-readiness",
  "period": "2026-01",
  "synthetic": true,
  "records": [
    {
      "underwriting_event_id": "UW-2026-01-0001",
      "applicant_id": "APP-0029",
      "review_date": "2026-01-06",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0002",
      "applicant_id": "APP-3001",
      "review_date": "2026-01-08",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0003",
      "applicant_id": "APP-0005",
      "review_date": "2026-01-23",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0004",
      "applicant_id": "APP-3003",
      "review_date": "2026-01-08",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0005",
      "applicant_id": "APP-0031",
      "review_date": "2026-01-09",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0006",
      "applicant_id": "APP-3005",
      "review_date": "2026-01-06",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0007",
      "applicant_id": "APP-0007",
      "review_date": "2026-01-13",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0008",
      "applicant_id": "APP-3007",
      "review_date": "2026-01-04",
      "readiness_area": "applicant response",
      "readiness_status": "watch",
      "outcome": "waiting",
      "review_complexity": "4",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on applicant response after review request.",
      "review_note": "Follow-up owner and age threshold needed.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0009",
      "applicant_id": "APP-0033",
      "review_date": "2026-01-10",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0010",
      "applicant_id": "APP-3009",
      "review_date": "2026-01-02",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0011",
      "applicant_id": "APP-0009",
      "review_date": "2026-01-04",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0012",
      "applicant_id": "APP-3011",
      "review_date": "2026-01-21",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0013",
      "applicant_id": "APP-0035",
      "review_date": "2026-01-08",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0014",
      "applicant_id": "APP-3013",
      "review_date": "2026-01-13",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0015",
      "applicant_id": "APP-0011",
      "review_date": "2026-01-20",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0016",
      "applicant_id": "APP-3015",
      "review_date": "2026-01-06",
      "readiness_area": "applicant response",
      "readiness_status": "watch",
      "outcome": "waiting",
      "review_complexity": "4",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on applicant response after review request.",
      "review_note": "Follow-up owner and age threshold needed.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0017",
      "applicant_id": "APP-0037",
      "review_date": "2026-01-12",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0018",
      "applicant_id": "APP-3017",
      "review_date": "2026-01-04",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0019",
      "applicant_id": "APP-0013",
      "review_date": "2026-01-23",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0020",
      "applicant_id": "APP-3019",
      "review_date": "2026-01-06",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0021",
      "applicant_id": "APP-0039",
      "review_date": "2026-01-11",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0022",
      "applicant_id": "APP-3021",
      "review_date": "2026-01-17",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0023",
      "applicant_id": "APP-0015",
      "review_date": "2026-01-22",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0024",
      "applicant_id": "APP-3023",
      "review_date": "2026-01-18",
      "readiness_area": "applicant response",
      "readiness_status": "watch",
      "outcome": "waiting",
      "review_complexity": "4",
      "signal_flag": "stalled-onboarding",
      "summary": "Application is waiting on applicant response after review request.",
      "review_note": "Follow-up owner and age threshold needed.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0025",
      "applicant_id": "APP-0041",
      "review_date": "2026-01-29",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0026",
      "applicant_id": "APP-3025",
      "review_date": "2026-01-11",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0027",
      "applicant_id": "APP-0017",
      "review_date": "2026-01-06",
      "readiness_area": "approval packet",
      "readiness_status": "ready",
      "outcome": "approval-ready",
      "review_complexity": "3",
      "signal_flag": "approval-ready",
      "summary": "Application packet has required KYC, documents, and risk rationale.",
      "review_note": "Ready for approval queue.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0028",
      "applicant_id": "APP-3027",
      "review_date": "2026-01-07",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0029",
      "applicant_id": "APP-0043",
      "review_date": "2026-01-26",
      "readiness_area": "KYC completion",
      "readiness_status": "blocked",
      "outcome": "missing-kyc",
      "review_complexity": "6",
      "signal_flag": "kyc-gap",
      "summary": "Underwriting cannot proceed until KYC gaps are closed.",
      "review_note": "KYC completion is the next action.",
      "synthetic": "true"
    },
    {
      "underwriting_event_id": "UW-2026-01-0030",
      "applicant_id": "APP-3029",
      "review_date": "2026-01-01",
      "readiness_area": "risk rationale",
      "readiness_status": "in-review",
      "outcome": "risk-review",
      "review_complexity": "6",
      "signal_flag": "risk-review",
      "summary": "Risk rationale is incomplete for underwriting decisioning.",
      "review_note": "Document review rationale before routing.",
      "synthetic": "true"
    }
  ]
}