{
  "schema_version": "1.0",
  "table": "underwriting-readiness",
  "period": "2026-02",
  "synthetic": true,
  "records": [
    {
      "underwriting_event_id": "UW-2026-02-0001",
      "applicant_id": "APP-0029",
      "review_date": "2026-02-03",
      "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-2026-02-0002",
      "applicant_id": "APP-3001",
      "review_date": "2026-02-14",
      "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-2026-02-0003",
      "applicant_id": "APP-0005",
      "review_date": "2026-02-19",
      "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-2026-02-0004",
      "applicant_id": "APP-3003",
      "review_date": "2026-02-27",
      "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-2026-02-0005",
      "applicant_id": "APP-0031",
      "review_date": "2026-02-25",
      "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-2026-02-0006",
      "applicant_id": "APP-3005",
      "review_date": "2026-02-01",
      "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"
    },
    {
      "underwriting_event_id": "UW-2026-02-0007",
      "applicant_id": "APP-0007",
      "review_date": "2026-02-07",
      "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-2026-02-0008",
      "applicant_id": "APP-3007",
      "review_date": "2026-02-14",
      "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-2026-02-0009",
      "applicant_id": "APP-0033",
      "review_date": "2026-02-09",
      "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-2026-02-0010",
      "applicant_id": "APP-3009",
      "review_date": "2026-02-06",
      "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-2026-02-0011",
      "applicant_id": "APP-0009",
      "review_date": "2026-02-13",
      "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-2026-02-0012",
      "applicant_id": "APP-3011",
      "review_date": "2026-02-22",
      "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-2026-02-0013",
      "applicant_id": "APP-0035",
      "review_date": "2026-02-15",
      "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-2026-02-0014",
      "applicant_id": "APP-3013",
      "review_date": "2026-02-21",
      "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-2026-02-0015",
      "applicant_id": "APP-0011",
      "review_date": "2026-02-14",
      "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-2026-02-0016",
      "applicant_id": "APP-3015",
      "review_date": "2026-02-23",
      "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-2026-02-0017",
      "applicant_id": "APP-0037",
      "review_date": "2026-02-02",
      "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-2026-02-0018",
      "applicant_id": "APP-3017",
      "review_date": "2026-02-20",
      "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-2026-02-0019",
      "applicant_id": "APP-0013",
      "review_date": "2026-02-19",
      "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-2026-02-0020",
      "applicant_id": "APP-3019",
      "review_date": "2026-02-06",
      "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-2026-02-0021",
      "applicant_id": "APP-0039",
      "review_date": "2026-02-15",
      "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-2026-02-0022",
      "applicant_id": "APP-3021",
      "review_date": "2026-02-15",
      "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-2026-02-0023",
      "applicant_id": "APP-0015",
      "review_date": "2026-02-01",
      "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"
    },
    {
      "underwriting_event_id": "UW-2026-02-0024",
      "applicant_id": "APP-3023",
      "review_date": "2026-02-09",
      "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-2026-02-0025",
      "applicant_id": "APP-0041",
      "review_date": "2026-02-07",
      "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-2026-02-0026",
      "applicant_id": "APP-3025",
      "review_date": "2026-02-18",
      "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-2026-02-0027",
      "applicant_id": "APP-0017",
      "review_date": "2026-02-05",
      "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-2026-02-0028",
      "applicant_id": "APP-3027",
      "review_date": "2026-02-28",
      "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-2026-02-0029",
      "applicant_id": "APP-0043",
      "review_date": "2026-02-04",
      "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-2026-02-0030",
      "applicant_id": "APP-3029",
      "review_date": "2026-02-03",
      "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-2026-02-0031",
      "applicant_id": "APP-0019",
      "review_date": "2026-02-09",
      "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-2026-02-0032",
      "applicant_id": "APP-3031",
      "review_date": "2026-02-15",
      "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-2026-02-0033",
      "applicant_id": "APP-0045",
      "review_date": "2026-02-28",
      "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-2026-02-0034",
      "applicant_id": "APP-3033",
      "review_date": "2026-02-16",
      "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-2026-02-0035",
      "applicant_id": "APP-0021",
      "review_date": "2026-02-11",
      "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-2026-02-0036",
      "applicant_id": "APP-3035",
      "review_date": "2026-02-21",
      "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"
    }
  ]
}