Provenance for Loan Decision #3154

Decided on: Nov. 22, 2023, 3:42 p.m.

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G n1 loan:institution ann1 prov:type prov:Organization ann1->n1 n2 ex:machine/f7c706ee7088 b11 n2->b11 actedOnBehalfOf ann2 prov:type prov:SoftwareAgent ln:machine_python_version 3.10.8 ln:machine_release 3.10.0-1160.92.1.el7.x86_64 ln:machine_system Linux ln:machine_version #1 SMP Tue Jun 20 11:48:01 UTC 2023 ann2->n2 n3 loan:applicants/929 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/929 n6->n3 wasAttributedTo ann6 prov:type ln:LoanApplication prov:type pl:Controlled ln:attr_addr_state PA ln:attr_annual_inc 40000.0 ln:attr_application_type Individual ln:attr_emp_length 2 years ln:attr_emp_title CONSOLIDATOR ln:attr_home_ownership MORTGAGE ln:attr_loan_amnt 2000.0 ln:attr_purpose car ln:attr_term 36 months ln:attr_title Car financing ln:attr_zip_code 168xx ann6->n6 n7 loan:credit_history/929 n7->n4 wasAttributedTo ann7 prov:type ln:CreditReference ln:attr_earliest_cr_line Jun-1992 ln:attr_mort_acc 1.0 ln:attr_open_acc 9.0 ln:attr_pub_rec 0.0 ln:attr_pub_rec_bankruptcies 0.0 ln:attr_revol_bal 226.0 ln:attr_revol_util 0.9 ln:created_at 2023-11-21T23:12:26.197918 ann7->n7 n8 loan:fico_score/929 n8->n5 wasAttributedTo ann8 prov:type ln:FICOScore ln:created_at 2023-11-21T17:27:30.708145 ln:fico_range_high 749.0 ln:fico_range_low 745.0 ann8->n8 n9 loan:pipeline/3 ann9 prov:type sk:pipeline.Pipeline ann9->n9 n10 py:loan_features/929 b1 n10->b1 wasDerivedFrom b2 n10->b2 wasDerivedFrom b3 n10->b3 wasDerivedFrom ann10 prov:type pd:Series ln:attr_addr_state_PA 1.0 ln:attr_dti 21.69 ln:attr_earliest_cr_line 1992.0 ln:attr_emp_length 2.0 ln:attr_fico_score 747.0 ln:attr_initial_list_status_w 1.0 ln:attr_installment 65.4 ln:attr_int_rate 10.91 ln:attr_loan_amnt 2000.0 ln:attr_log_annual_inc 4.602070848554296 ln:attr_log_revol_bal 2.3560258571931225 ln:attr_mort_acc 1.0 ln:attr_open_acc 9.0 ln:attr_revol_util 0.9 ln:attr_sub_grade_B4 1.0 ln:attr_term 36.0 ln:attr_total_acc 27.0 ln:attr_verification_status_Source_Verified 1.0 ann10->n10 n11 ex:recommendation/929 n13 ex:classify_loans/929 n11->n13 wasGeneratedBy b4 n11->b4 wasDerivedFrom ann11 prov:type ln:AutomatedLoanRecommendation ln:probability_chargeoff 0.150423863045985 ln:recommendation ln:approved ann11->n11 n12 loan:applications/929/decision n12->n2 wasAttributedTo n14 ex:process_application/929 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 2023-11-22T15:42:03.441037 prov:endTime 2023-11-22T15:42:03.442830 ann13->n13 n14->n6 used b10 n14->b10 wasAssociatedWith ann14 prov:startTime 2023-11-22T15:42:03.440441 prov:endTime 2023-11-22T15:42:03.443488 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