Provenance for Loan Decision #1073

Decided on: Oct. 3, 2025, 11:46 a.m.

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G n1 loan:institution ann1 prov:type prov:Organization ann1->n1 n2 ex:machine/950d29f79691 b11 n2->b11 actedOnBehalfOf ann2 prov:type prov:SoftwareAgent ln:machine_python_version 3.11.10 ln:machine_release 4.18.0-477.51.1.el8_8.x86_64 ln:machine_system Linux ln:machine_version #1 SMP Fri Mar 1 11:21:44 EST 2024 ann2->n2 n3 loan:applicants/260 ann3 prov:type ln:LoanApplicant prov:type prov:Person ann3->n3 n4 loan:credit_agency ann4 prov:type ln:CreditReferencingAgency prov:type prov:Organization ann4->n4 n5 loan:fico ann5 prov:type ln:CreditReferencingAgency prov:type prov:Organization ann5->n5 n6 loan:applications/260 n6->n3 wasAttributedTo ann6 prov:type ln:LoanApplication prov:type pl:Controlled ln:attr_addr_state NY ln:attr_annual_inc 55000.0 ln:attr_application_type Individual ln:attr_emp_length 10+ years ln:attr_emp_title DSP ln:attr_home_ownership RENT ln:attr_loan_amnt 2000.0 ln:attr_purpose debt_consolidation ln:attr_term 36 months ln:attr_title Debt consolidation ln:attr_zip_code 112xx ann6->n6 n7 loan:credit_history/260 n7->n4 wasAttributedTo ann7 prov:type ln:CreditReference ln:attr_earliest_cr_line May-2002 ln:attr_mort_acc 0.0 ln:attr_open_acc 8.0 ln:attr_pub_rec 0.0 ln:attr_pub_rec_bankruptcies 0.0 ln:attr_revol_bal 2006.0 ln:attr_revol_util 7.7 ln:created_at 2025-10-02T18:45:47.114162 ann7->n7 n8 loan:fico_score/260 n8->n5 wasAttributedTo ann8 prov:type ln:FICOScore ln:created_at 2025-09-29T04:42:42.607404 ln:fico_range_high 739.0 ln:fico_range_low 735.0 ann8->n8 n9 loan:pipeline/1 ann9 prov:type sk:pipeline.Pipeline ann9->n9 n10 py:loan_features/260 b1 n10->b1 wasDerivedFrom b2 n10->b2 wasDerivedFrom b3 n10->b3 wasDerivedFrom ann10 prov:type pd:Series ln:attr_addr_state_NY 1.0 ln:attr_dti 2.09 ln:attr_earliest_cr_line 2002.0 ln:attr_emp_length 10.0 ln:attr_fico_score 737.0 ln:attr_home_ownership_RENT 1.0 ln:attr_initial_list_status_w 1.0 ln:attr_installment 64.47 ln:attr_int_rate 9.93 ln:attr_loan_amnt 2000.0 ln:attr_log_annual_inc 4.740370585685768 ln:attr_log_revol_bal 3.3025473724874854 ln:attr_open_acc 8.0 ln:attr_purpose_debt_consolidation 1.0 ln:attr_revol_util 7.7 ln:attr_sub_grade_B2 1.0 ln:attr_term 36.0 ln:attr_total_acc 26.0 ann10->n10 n11 ex:recommendation/260 n13 ex:classify_loans/260 n11->n13 wasGeneratedBy b4 n11->b4 wasDerivedFrom ann11 prov:type ln:AutomatedLoanRecommendation ln:probability_chargeoff 0.16037681438046716 ln:recommendation ln:approved ann11->n11 n12 loan:applications/260/decision n12->n2 wasAttributedTo n14 ex:process_application/260 n12->n14 wasGeneratedBy b5 n12->b5 wasDerivedFrom b6 n12->b6 wasDerivedFrom b7 n12->b7 wasDerivedFrom b8 n12->b8 wasDerivedFrom ann12 prov:type ln:AutomatedDecision prov:type ln:LoanDecision ln:result ln:approved ann12->n12 n13->n10 used b9 n13->b9 wasAssociatedWith ann13 prov:startTime 2025-10-03T11:46:23.074069 prov:endTime 2025-10-03T11:46:23.074954 ann13->n13 n14->n6 used b10 n14->b10 wasAssociatedWith ann14 prov:startTime 2025-10-03T11:46:23.073741 prov:endTime 2025-10-03T11:46:23.075146 prov:type ln:AssessingLoanApplication ann14->n14 b1->n6 b2->n7 b3->n8 b4->n10 b4->n13 activity b5->n11 b6->n7 b7->n8 b8->n6 b8->n14 activity b9->n2 b9->n9 plan b10->n1 b11->n1