Home
(current)
Credit Scoring
School Admission
Loan Scenario
IAA Report
About
Provenance for Loan Decision #3622
Decided on: Feb. 13, 2024, 9:07 a.m.
Back to decision
PROV-N
PROV-JSON
PDF
SVG
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/511
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/511
n6->n3
wasAttributedTo
ann6
prov:type
ln:LoanApplication
prov:type
pl:Controlled
ln:attr_addr_state
MI
ln:attr_annual_inc
90000.0
ln:attr_application_type
Individual
ln:attr_emp_length
8 years
ln:attr_emp_title
underwriter
ln:attr_home_ownership
MORTGAGE
ln:attr_loan_amnt
7000.0
ln:attr_purpose
debt_consolidation
ln:attr_term
36 months
ln:attr_title
Debt consolidation
ln:attr_zip_code
481xx
ann6->n6
n7
loan:credit_history/511
n7->n4
wasAttributedTo
ann7
prov:type
ln:CreditReference
ln:attr_earliest_cr_line
Aug-2003
ln:attr_mort_acc
1.0
ln:attr_open_acc
16.0
ln:attr_pub_rec
0.0
ln:attr_pub_rec_bankruptcies
0.0
ln:attr_revol_bal
20185.0
ln:attr_revol_util
64.1
ln:created_at
2024-02-07T03:46:37.383746
ann7->n7
n8
loan:fico_score/511
n8->n5
wasAttributedTo
ann8
prov:type
ln:FICOScore
ln:created_at
2024-02-09T21:27:56.663527
ln:fico_range_high
714.0
ln:fico_range_low
710.0
ann8->n8
n9
loan:pipeline/3
ann9
prov:type
sk:pipeline.Pipeline
ann9->n9
n10
py:loan_features/511
b1
n10->b1
wasDerivedFrom
b2
n10->b2
wasDerivedFrom
b3
n10->b3
wasDerivedFrom
ann10
prov:type
pd:Series
ln:attr_addr_state_MI
1.0
ln:attr_dti
21.79
ln:attr_earliest_cr_line
2003.0
ln:attr_emp_length
8.0
ln:attr_fico_score
712.0
ln:attr_initial_list_status_w
1.0
ln:attr_installment
232.47
ln:attr_int_rate
11.99
ln:attr_loan_amnt
7000.0
ln:attr_log_annual_inc
4.95424733490676
ln:attr_log_revol_bal
4.305050268917223
ln:attr_mort_acc
1.0
ln:attr_open_acc
16.0
ln:attr_purpose_debt_consolidation
1.0
ln:attr_revol_util
64.1
ln:attr_sub_grade_B5
1.0
ln:attr_term
36.0
ln:attr_total_acc
34.0
ln:attr_verification_status_Source_Verified
1.0
ann10->n10
n11
ex:recommendation/511
n13
ex:classify_loans/511
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/511/decision
n12->n2
wasAttributedTo
n14
ex:process_application/511
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
2024-02-13T09:07:20.971453
prov:endTime
2024-02-13T09:07:20.973304
ann13->n13
n14->n6
used
b10
n14->b10
wasAssociatedWith
ann14
prov:startTime
2024-02-13T09:07:20.970830
prov:endTime
2024-02-13T09:07:20.973733
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