{"prefix": {"pd": "https://pandas.pydata.org/#", "py": "urn:python:var:", "sk": "https://scikit-learn.org/stable/modules/generated/sklearn.", "ln": "https://plead-project.org/ns/loan#", "pl": "http://openprovenancce.org/ns/plead#", "loan": "https://explain.openprovenance.org/loan/", "file": "file://", "ex": "http://example.org/"}, "agent": {"loan:institution": {"prov:type": {"$": "prov:Organization", "type": "prov:QUALIFIED_NAME"}}, "ex:machine/950d29f79691": {"prov:type": {"$": "prov:SoftwareAgent", "type": "prov:QUALIFIED_NAME"}, "ln:machine_system": "Linux", "ln:machine_release": "4.18.0-477.51.1.el8_8.x86_64", "ln:machine_version": "#1 SMP Fri Mar 1 11:21:44 EST 2024", "ln:machine_python_version": "3.11.10"}, "loan:applicants/467": {"prov:type": [{"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:LoanApplicant", "type": "prov:QUALIFIED_NAME"}]}, "loan:credit_agency": {"prov:type": [{"$": "ln:CreditReferencingAgency", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Organization", "type": "prov:QUALIFIED_NAME"}]}, "loan:fico": {"prov:type": [{"$": "ln:CreditReferencingAgency", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Organization", "type": "prov:QUALIFIED_NAME"}]}, "loan:staff/112": {"prov:type": [{"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:CreditOfficer", "type": "prov:QUALIFIED_NAME"}]}}, "entity": {"loan:applications/467": {"ln:attr_loan_amnt": {"$": 1500.0, "type": "xsd:double"}, "ln:attr_term": " 36 months", "ln:attr_emp_title": "Cashier", "ln:attr_emp_length": "10+ years", "ln:attr_home_ownership": "RENT", "ln:attr_annual_inc": {"$": 32000.0, "type": "xsd:double"}, "ln:attr_purpose": "other", "ln:attr_title": "Other", "ln:attr_zip_code": "891xx", "ln:attr_addr_state": "NV", "ln:attr_application_type": "Individual", "prov:type": [{"$": "pl:Controlled", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:LoanApplication", "type": "prov:QUALIFIED_NAME"}]}, "loan:credit_history/467": {"ln:attr_earliest_cr_line": "Apr-2006", "ln:attr_open_acc": {"$": 9.0, "type": "xsd:double"}, "ln:attr_pub_rec": {"$": 0.0, "type": "xsd:double"}, "ln:attr_revol_bal": {"$": 4498.0, "type": "xsd:double"}, "ln:attr_revol_util": {"$": 50.5, "type": "xsd:double"}, "ln:attr_mort_acc": {"$": 0.0, "type": "xsd:double"}, "ln:attr_pub_rec_bankruptcies": {"$": 0.0, "type": "xsd:double"}, "ln:created_at": {"$": "2026-04-09T22:40:10.557543", "type": "xsd:dateTime"}, "prov:type": {"$": "ln:CreditReference", "type": "prov:QUALIFIED_NAME"}}, "loan:fico_score/467": {"prov:type": {"$": "ln:FICOScore", "type": "prov:QUALIFIED_NAME"}, "ln:fico_range_low": {"$": 660.0, "type": "xsd:double"}, "ln:fico_range_high": {"$": 664.0, "type": "xsd:double"}, "ln:created_at": {"$": "2026-04-06T12:57:23.859295", "type": "xsd:dateTime"}}, "loan:pipeline/1": {"prov:type": {"$": "sk:pipeline.Pipeline", "type": "prov:QUALIFIED_NAME"}}, "py:loan_features/467": {"ln:attr_loan_amnt": {"$": 1500.0, "type": "xsd:double"}, "ln:attr_term": {"$": 36.0, "type": "xsd:double"}, "ln:attr_int_rate": {"$": 16.02, "type": "xsd:double"}, "ln:attr_installment": {"$": 52.76, "type": "xsd:double"}, "ln:attr_emp_length": {"$": 10.0, "type": "xsd:double"}, "ln:attr_dti": {"$": 22.13, "type": "xsd:double"}, "ln:attr_earliest_cr_line": {"$": 2006.0, "type": "xsd:double"}, "ln:attr_open_acc": {"$": 9.0, "type": "xsd:double"}, "ln:attr_revol_util": {"$": 50.5, "type": "xsd:double"}, "ln:attr_total_acc": {"$": 15.0, "type": "xsd:double"}, "ln:attr_log_annual_inc": {"$": 4.505163549810412, "type": "xsd:double"}, "ln:attr_fico_score": {"$": 662.0, "type": "xsd:double"}, "ln:attr_log_revol_bal": {"$": 3.653115993165567, "type": "xsd:double"}, "ln:attr_sub_grade_C5": {"$": 1.0, "type": "xsd:double"}, "ln:attr_home_ownership_RENT": {"$": 1.0, "type": "xsd:double"}, "ln:attr_purpose_other": {"$": 1.0, "type": "xsd:double"}, "ln:attr_addr_state_NV": {"$": 1.0, "type": "xsd:double"}, "ln:attr_initial_list_status_w": {"$": 1.0, "type": "xsd:double"}, "prov:type": {"$": "pd:Series", "type": "prov:QUALIFIED_NAME"}}, "ex:recommendation/467": {"prov:type": {"$": "ln:AutomatedLoanRecommendation", "type": "prov:QUALIFIED_NAME"}, "ln:recommendation": {"$": "ln:approved", "type": "prov:QUALIFIED_NAME"}, "ln:probability_chargeoff": 0.25962601606259794}, "loan:applications/467/decision": {"prov:type": [{"$": "ln:HumanDecision", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:LoanDecision", "type": "prov:QUALIFIED_NAME"}], "ln:result": {"$": "ln:rejected", "type": "prov:QUALIFIED_NAME"}}}, "wasAttributedTo": {"_:id1": {"prov:entity": "loan:applications/467", "prov:agent": "loan:applicants/467"}, "_:id2": {"prov:entity": "loan:credit_history/467", "prov:agent": "loan:credit_agency"}, "_:id3": {"prov:entity": "loan:fico_score/467", "prov:agent": "loan:fico"}, "_:id23": {"prov:entity": "loan:applications/467/decision", "prov:agent": "loan:staff/112"}}, "wasDerivedFrom": {"_:id4": {"prov:generatedEntity": "py:loan_features/467", "prov:usedEntity": "loan:applications/467"}, "_:id5": {"prov:generatedEntity": "py:loan_features/467", "prov:usedEntity": "loan:credit_history/467"}, "_:id6": {"prov:generatedEntity": "py:loan_features/467", "prov:usedEntity": "loan:fico_score/467"}, "_:id11": {"prov:generatedEntity": "ex:recommendation/467", "prov:usedEntity": "py:loan_features/467", "prov:activity": "ex:classify_loans/467"}, "_:id19": {"prov:generatedEntity": "loan:applications/467/decision", "prov:usedEntity": "ex:recommendation/467", "prov:activity": "ex:review_recommendation/467"}, "_:id20": {"prov:generatedEntity": "loan:applications/467/decision", "prov:usedEntity": "loan:applications/467", "prov:activity": "ex:review_recommendation/467"}, "_:id21": {"prov:generatedEntity": "loan:applications/467/decision", "prov:usedEntity": "loan:credit_history/467", "prov:activity": "ex:review_recommendation/467"}, "_:id22": {"prov:generatedEntity": "loan:applications/467/decision", "prov:usedEntity": "loan:fico_score/467", "prov:activity": "ex:review_recommendation/467"}, "_:id27": {"prov:generatedEntity": "loan:applications/467/decision", "prov:usedEntity": "loan:applications/467", "prov:activity": "ex:process_application/467"}}, "activity": {"ex:classify_loans/467": {"prov:startTime": "2026-04-10T06:27:56.859024", "prov:endTime": "2026-04-10T06:27:56.860000"}, "ex:review_recommendation/467": {"prov:type": [{"$": "ln:LoanAssessment", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:HumanLedActivity", "type": "prov:QUALIFIED_NAME"}]}, "ex:process_application/467": {"prov:startTime": "2026-04-10T06:27:56.858655", "prov:endTime": "2026-04-10T06:27:56.860322", "prov:type": {"$": "ln:AssessingLoanApplication", "type": "prov:QUALIFIED_NAME"}}}, "used": {"_:id7": {"prov:activity": "ex:classify_loans/467", "prov:entity": "py:loan_features/467"}, "_:id12": {"prov:activity": "ex:review_recommendation/467", "prov:entity": "loan:applications/467"}, "_:id13": {"prov:activity": "ex:review_recommendation/467", "prov:entity": "ex:recommendation/467"}, "_:id14": {"prov:activity": "ex:review_recommendation/467", "prov:entity": "loan:credit_history/467"}, "_:id15": {"prov:activity": "ex:review_recommendation/467", "prov:entity": "loan:fico_score/467"}, "_:id25": {"prov:activity": "ex:process_application/467", "prov:entity": "loan:applications/467"}}, "wasAssociatedWith": {"_:id8": {"prov:activity": "ex:classify_loans/467", "prov:agent": "ex:machine/950d29f79691", "prov:plan": "loan:pipeline/1"}, "_:id17": {"prov:activity": "ex:review_recommendation/467", "prov:agent": "loan:staff/112", "prov:plan": "loan:policy/loan_review/2019"}, "_:id24": {"prov:activity": "ex:process_application/467", "prov:agent": "loan:institution"}}, "actedOnBehalfOf": {"_:id9": {"prov:delegate": "ex:machine/950d29f79691", "prov:responsible": "loan:institution"}, "_:id16": {"prov:delegate": "loan:staff/112", "prov:responsible": "loan:institution"}}, "wasGeneratedBy": {"_:id10": {"prov:entity": "ex:recommendation/467", "prov:activity": "ex:classify_loans/467"}, "_:id18": {"prov:entity": "loan:applications/467/decision", "prov:activity": "ex:review_recommendation/467"}, "_:id26": {"prov:entity": "loan:applications/467/decision", "prov:activity": "ex:process_application/467"}}}