Provenance for Loan Decision #307

Decided on: June 21, 2025, 11:35 a.m.

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G n1 loan:institution ann1 prov:type prov:Organization ann1->n1 n2 ex:machine/950d29f79691 b13 n2->b13 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/132 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:staff/112 b14 n6->b14 actedOnBehalfOf ann6 prov:type ln:CreditOfficer prov:type prov:Person ann6->n6 n7 loan:applications/132 n7->n3 wasAttributedTo ann7 prov:type ln:LoanApplication prov:type pl:Controlled ln:attr_addr_state WA ln:attr_annual_inc 105000.0 ln:attr_application_type Individual ln:attr_emp_length 10+ years ln:attr_emp_title Grade 6 Battery Man ln:attr_home_ownership MORTGAGE ln:attr_loan_amnt 40000.0 ln:attr_purpose debt_consolidation ln:attr_term 60 months ln:attr_title Debt consolidation ln:attr_zip_code 985xx ann7->n7 n8 loan:credit_history/132 n8->n4 wasAttributedTo ann8 prov:type ln:CreditReference ln:attr_earliest_cr_line Sep-1993 ln:attr_mort_acc 6.0 ln:attr_open_acc 8.0 ln:attr_pub_rec 0.0 ln:attr_pub_rec_bankruptcies 0.0 ln:attr_revol_bal 31450.0 ln:attr_revol_util 68.1 ln:created_at 2025-06-17T17:13:53.863059 ann8->n8 n9 loan:fico_score/132 n9->n5 wasAttributedTo ann9 prov:type ln:FICOScore ln:created_at 2025-06-17T17:03:19.334190 ln:fico_range_high 724.0 ln:fico_range_low 720.0 ann9->n9 n10 loan:pipeline/1 ann10 prov:type sk:pipeline.Pipeline ann10->n10 n11 py:loan_features/132 b1 n11->b1 wasDerivedFrom b2 n11->b2 wasDerivedFrom b3 n11->b3 wasDerivedFrom ann11 prov:type pd:Series ln:attr_addr_state_WA 1.0 ln:attr_dti 21.87 ln:attr_earliest_cr_line 1993.0 ln:attr_emp_length 10.0 ln:attr_fico_score 722.0 ln:attr_initial_list_status_w 1.0 ln:attr_installment 1038.29 ln:attr_int_rate 19.03 ln:attr_loan_amnt 40000.0 ln:attr_log_annual_inc 5.021193435188165 ln:attr_log_revol_bal 4.4976344586072825 ln:attr_mort_acc 6.0 ln:attr_open_acc 8.0 ln:attr_purpose_debt_consolidation 1.0 ln:attr_revol_util 68.1 ln:attr_sub_grade_D3 1.0 ln:attr_term 60.0 ln:attr_total_acc 19.0 ln:attr_verification_status_Verified 1.0 ann11->n11 n12 ex:recommendation/132 n14 ex:classify_loans/132 n12->n14 wasGeneratedBy b4 n12->b4 wasDerivedFrom ann12 prov:type ln:AutomatedLoanRecommendation ln:probability_chargeoff 0.3446430019735597 ln:recommendation ln:approved ann12->n12 n13 loan:applications/132/decision n13->n6 wasAttributedTo n15 ex:review_recommendation/132 n13->n15 wasGeneratedBy n16 ex:process_application/132 n13->n16 wasGeneratedBy b5 n13->b5 wasDerivedFrom b6 n13->b6 wasDerivedFrom b7 n13->b7 wasDerivedFrom b8 n13->b8 wasDerivedFrom b9 n13->b9 wasDerivedFrom ann13 prov:type ln:HumanDecision prov:type ln:LoanDecision ln:result ln:approved ann13->n13 n14->n11 used b10 n14->b10 wasAssociatedWith ann14 prov:startTime 2025-06-21T11:35:49.298457 prov:endTime 2025-06-21T11:35:49.299457 ann14->n14 n15->n7 used n15->n8 used n15->n9 used n15->n12 used b11 n15->b11 wasAssociatedWith ann15 prov:type ln:LoanAssessment prov:type pl:HumanLedActivity ann15->n15 n16->n7 used b12 n16->b12 wasAssociatedWith ann16 prov:startTime 2025-06-21T11:35:49.298126 prov:endTime 2025-06-21T11:35:49.299784 prov:type ln:AssessingLoanApplication ann16->n16 b1->n7 b2->n8 b3->n9 b4->n11 b4->n14 activity b5->n12 b5->n15 activity b6->n7 b6->n15 activity b7->n8 b7->n15 activity b8->n9 b8->n15 activity b9->n7 b9->n16 activity b10->n2 b10->n10 plan b11->n6 n17 loan:policy/loan_review/2019 b11->n17 plan b12->n1 b13->n1 b14->n1