Provenance for Loan Decision #2454

Decided on: Feb. 26, 2023, 12:46 p.m.

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G n1 loan:institution ann1 prov:type prov:Organization ann1->n1 n2 ex:machine/93361dbef221 b11 n2->b11 actedOnBehalfOf ann2 prov:type prov:SoftwareAgent ln:machine_python_version 3.10.8 ln:machine_release 3.10.0-1160.80.1.el7.x86_64 ln:machine_system Linux ln:machine_version #1 SMP Tue Nov 8 15:48:59 UTC 2022 ann2->n2 n3 loan:applicants/722 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/722 n6->n3 wasAttributedTo ann6 prov:type ln:LoanApplication prov:type pl:Controlled ln:attr_addr_state VA ln:attr_annual_inc 84000.0 ln:attr_application_type Joint App ln:attr_emp_length 6 years ln:attr_emp_title Prduction Advisor ln:attr_home_ownership MORTGAGE ln:attr_loan_amnt 22000.0 ln:attr_purpose debt_consolidation ln:attr_term 60 months ln:attr_title Debt consolidation ln:attr_zip_code 240xx ann6->n6 n7 loan:credit_history/722 n7->n4 wasAttributedTo ann7 prov:type ln:CreditReference ln:attr_earliest_cr_line Mar-1998 ln:attr_mort_acc 1.0 ln:attr_open_acc 11.0 ln:attr_pub_rec 2.0 ln:attr_pub_rec_bankruptcies 1.0 ln:attr_revol_bal 12431.0 ln:attr_revol_util 45.7 ln:created_at 2023-02-19T16:35:53.343128 ann7->n7 n8 loan:fico_score/722 n8->n5 wasAttributedTo ann8 prov:type ln:FICOScore ln:created_at 2023-02-25T13:14:02.633583 ln:fico_range_high 729.0 ln:fico_range_low 725.0 ann8->n8 n9 loan:pipeline/3 ann9 prov:type sk:pipeline.Pipeline ann9->n9 n10 py:loan_features/722 b1 n10->b1 wasDerivedFrom b2 n10->b2 wasDerivedFrom b3 n10->b3 wasDerivedFrom ann10 prov:type pd:Series ln:attr_addr_state_VA 1.0 ln:attr_application_type_Joint_App 1.0 ln:attr_dti 30.66 ln:attr_earliest_cr_line 1998.0 ln:attr_emp_length 6.0 ln:attr_fico_score 727.0 ln:attr_initial_list_status_w 1.0 ln:attr_installment 668.76 ln:attr_int_rate 26.77 ln:attr_loan_amnt 22000.0 ln:attr_log_annual_inc 4.924284456203511 ln:attr_log_revol_bal 4.094541001456839 ln:attr_mort_acc 1.0 ln:attr_open_acc 11.0 ln:attr_pub_rec 2.0 ln:attr_pub_rec_bankruptcies 1.0 ln:attr_purpose_debt_consolidation 1.0 ln:attr_revol_util 45.7 ln:attr_sub_grade_E5 1.0 ln:attr_term 60.0 ln:attr_total_acc 27.0 ann10->n10 n11 ex:recommendation/722 n13 ex:classify_loans/722 n11->n13 wasGeneratedBy b4 n11->b4 wasDerivedFrom ann11 prov:type ln:AutomatedLoanRecommendation ln:probability_chargeoff 0.5318606627017842 ln:recommendation ln:rejected ann11->n11 n12 loan:applications/722/decision n12->n2 wasAttributedTo n14 ex:process_application/722 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:rejected ann12->n12 n13->n10 used b9 n13->b9 wasAssociatedWith ann13 prov:startTime 2023-02-26T12:46:45.893879 prov:endTime 2023-02-26T12:46:45.895840 ann13->n13 n14->n6 used b10 n14->b10 wasAssociatedWith ann14 prov:startTime 2023-02-26T12:46:45.893257 prov:endTime 2023-02-26T12:46:45.896278 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