Provenance for Loan Decision #144

Decided on: April 16, 2025, 12:32 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/84 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/84 n6->n3 wasAttributedTo ann6 prov:type ln:LoanApplication prov:type pl:Controlled ln:attr_addr_state TX ln:attr_annual_inc 74000.0 ln:attr_application_type Individual ln:attr_emp_length 2 years ln:attr_emp_title Transport Specialist ln:attr_home_ownership MORTGAGE ln:attr_loan_amnt 21000.0 ln:attr_purpose debt_consolidation ln:attr_term 36 months ln:attr_title Debt consolidation ln:attr_zip_code 781xx ann6->n6 n7 loan:credit_history/84 n7->n4 wasAttributedTo ann7 prov:type ln:CreditReference ln:attr_earliest_cr_line Oct-2005 ln:attr_mort_acc 1.0 ln:attr_open_acc 8.0 ln:attr_pub_rec 0.0 ln:attr_pub_rec_bankruptcies 0.0 ln:attr_revol_bal 9563.0 ln:attr_revol_util 21.1 ln:created_at 2025-04-11T17:50:08.131491 ann7->n7 n8 loan:fico_score/84 n8->n5 wasAttributedTo ann8 prov:type ln:FICOScore ln:created_at 2025-04-03T19:07:32.667411 ln:fico_range_high 744.0 ln:fico_range_low 740.0 ann8->n8 n9 loan:pipeline/1 ann9 prov:type sk:pipeline.Pipeline ann9->n9 n10 py:loan_features/84 b1 n10->b1 wasDerivedFrom b2 n10->b2 wasDerivedFrom b3 n10->b3 wasDerivedFrom ann10 prov:type pd:Series ln:attr_addr_state_TX 1.0 ln:attr_dti 17.53 ln:attr_earliest_cr_line 2005.0 ln:attr_emp_length 2.0 ln:attr_fico_score 742.0 ln:attr_initial_list_status_w 1.0 ln:attr_installment 676.93 ln:attr_int_rate 9.93 ln:attr_loan_amnt 21000.0 ln:attr_log_annual_inc 4.869237588535673 ln:attr_log_revol_bal 3.9806395674437374 ln:attr_mort_acc 1.0 ln:attr_open_acc 8.0 ln:attr_purpose_debt_consolidation 1.0 ln:attr_revol_util 21.1 ln:attr_sub_grade_B2 1.0 ln:attr_term 36.0 ln:attr_total_acc 34.0 ann10->n10 n11 ex:recommendation/84 n13 ex:classify_loans/84 n11->n13 wasGeneratedBy b4 n11->b4 wasDerivedFrom ann11 prov:type ln:AutomatedLoanRecommendation ln:probability_chargeoff 0.11647603248057277 ln:recommendation ln:approved ann11->n11 n12 loan:applications/84/decision n12->n2 wasAttributedTo n14 ex:process_application/84 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 2025-04-16T00:32:08.122751 prov:endTime 2025-04-16T00:32:08.123718 ann13->n13 n14->n6 used b10 n14->b10 wasAssociatedWith ann14 prov:startTime 2025-04-16T00:32:08.122432 prov:endTime 2025-04-16T00:32:08.123923 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