Provenance for Loan Decision #3073

Decided on: March 22, 2026, 3:07 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/435 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/435 n6->n3 wasAttributedTo ann6 prov:type ln:LoanApplication prov:type pl:Controlled ln:attr_addr_state AL ln:attr_annual_inc 31000.0 ln:attr_application_type Individual ln:attr_emp_length 3 years ln:attr_emp_title Carrier ln:attr_home_ownership OWN ln:attr_loan_amnt 3775.0 ln:attr_purpose debt_consolidation ln:attr_term 36 months ln:attr_title Debt consolidation ln:attr_zip_code 352xx ann6->n6 n7 loan:credit_history/435 n7->n4 wasAttributedTo ann7 prov:type ln:CreditReference ln:attr_earliest_cr_line May-2012 ln:attr_mort_acc 0.0 ln:attr_open_acc 10.0 ln:attr_pub_rec 0.0 ln:attr_pub_rec_bankruptcies 0.0 ln:attr_revol_bal 2068.0 ln:attr_revol_util 39.0 ln:created_at 2026-03-20T15:23:50.981162 ann7->n7 n8 loan:fico_score/435 n8->n5 wasAttributedTo ann8 prov:type ln:FICOScore ln:created_at 2026-03-19T23:13:36.751575 ln:fico_range_high 684.0 ln:fico_range_low 680.0 ann8->n8 n9 loan:pipeline/1 ann9 prov:type sk:pipeline.Pipeline ann9->n9 n10 py:loan_features/435 b1 n10->b1 wasDerivedFrom b2 n10->b2 wasDerivedFrom b3 n10->b3 wasDerivedFrom ann10 prov:type pd:Series ln:attr_addr_state_AL 1.0 ln:attr_dti 29.0 ln:attr_earliest_cr_line 2012.0 ln:attr_emp_length 3.0 ln:attr_fico_score 682.0 ln:attr_home_ownership_OWN 1.0 ln:attr_initial_list_status_w 1.0 ln:attr_installment 123.43 ln:attr_int_rate 10.91 ln:attr_loan_amnt 3775.0 ln:attr_log_annual_inc 4.491375703107734 ln:attr_log_revol_bal 3.3157604906657347 ln:attr_open_acc 10.0 ln:attr_purpose_debt_consolidation 1.0 ln:attr_revol_util 39.0 ln:attr_sub_grade_B4 1.0 ln:attr_term 36.0 ln:attr_total_acc 11.0 ln:attr_verification_status_Verified 1.0 ann10->n10 n11 ex:recommendation/435 n13 ex:classify_loans/435 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/435/decision n12->n2 wasAttributedTo n14 ex:process_application/435 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 2026-03-22T03:07:41.452870 prov:endTime 2026-03-22T03:07:41.453856 ann13->n13 n14->n6 used b10 n14->b10 wasAssociatedWith ann14 prov:startTime 2026-03-22T03:07:41.452547 prov:endTime 2026-03-22T03:07:41.454061 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