Provenance for Loan Decision #3426

Decided on: Jan. 19, 2024, 11:21 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/791 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/791 n6->n3 wasAttributedTo ann6 prov:type ln:LoanApplication prov:type pl:Controlled ln:attr_addr_state PA ln:attr_annual_inc 54000.0 ln:attr_application_type Joint App ln:attr_emp_length < 1 year ln:attr_emp_title BUSINESS DEVELOPMENT MANAGER ln:attr_home_ownership MORTGAGE ln:attr_loan_amnt 15000.0 ln:attr_purpose debt_consolidation ln:attr_term 36 months ln:attr_title Debt consolidation ln:attr_zip_code 170xx ann6->n6 n7 loan:credit_history/791 n7->n4 wasAttributedTo ann7 prov:type ln:CreditReference ln:attr_earliest_cr_line Oct-1985 ln:attr_mort_acc 4.0 ln:attr_open_acc 26.0 ln:attr_pub_rec 1.0 ln:attr_pub_rec_bankruptcies 1.0 ln:attr_revol_bal 19031.0 ln:attr_revol_util 39.4 ln:created_at 2024-01-17T04:32:35.572251 ann7->n7 n8 loan:fico_score/791 n8->n5 wasAttributedTo ann8 prov:type ln:FICOScore ln:created_at 2024-01-16T04:48:41.734073 ln:fico_range_high 694.0 ln:fico_range_low 690.0 ann8->n8 n9 loan:pipeline/3 ann9 prov:type sk:pipeline.Pipeline ann9->n9 n10 py:loan_features/791 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_application_type_Joint_App 1.0 ln:attr_dti 12.16 ln:attr_earliest_cr_line 1985.0 ln:attr_fico_score 692.0 ln:attr_initial_list_status_w 1.0 ln:attr_installment 469.84 ln:attr_int_rate 7.97 ln:attr_loan_amnt 15000.0 ln:attr_log_annual_inc 4.732401802238908 ln:attr_log_revol_bal 4.27948442902921 ln:attr_mort_acc 4.0 ln:attr_open_acc 26.0 ln:attr_pub_rec 1.0 ln:attr_pub_rec_bankruptcies 1.0 ln:attr_purpose_debt_consolidation 1.0 ln:attr_revol_util 39.4 ln:attr_sub_grade_A5 1.0 ln:attr_term 36.0 ln:attr_total_acc 58.0 ann10->n10 n11 ex:recommendation/791 n13 ex:classify_loans/791 n11->n13 wasGeneratedBy b4 n11->b4 wasDerivedFrom ann11 prov:type ln:AutomatedLoanRecommendation ln:probability_chargeoff 0.082140938003774 ln:recommendation ln:approved ann11->n11 n12 loan:applications/791/decision n12->n2 wasAttributedTo n14 ex:process_application/791 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 2024-01-19T23:21:22.366053 prov:endTime 2024-01-19T23:21:22.367939 ann13->n13 n14->n6 used b10 n14->b10 wasAssociatedWith ann14 prov:startTime 2024-01-19T23:21:22.365420 prov:endTime 2024-01-19T23:21:22.368357 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