{"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/506": {"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/506": {"ln:attr_loan_amnt": {"$": 10000.0, "type": "xsd:double"}, "ln:attr_term": " 36 months", "ln:attr_emp_title": "Loan Officer", "ln:attr_emp_length": "< 1 year", "ln:attr_home_ownership": "RENT", "ln:attr_annual_inc": {"$": 125000.0, "type": "xsd:double"}, "ln:attr_purpose": "debt_consolidation", "ln:attr_title": "Debt consolidation", "ln:attr_zip_code": "070xx", "ln:attr_addr_state": "NJ", "ln:attr_application_type": "Individual", "prov:type": [{"$": "pl:Controlled", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:LoanApplication", "type": "prov:QUALIFIED_NAME"}]}, "loan:credit_history/506": {"ln:attr_earliest_cr_line": "Nov-2004", "ln:attr_open_acc": {"$": 9.0, "type": "xsd:double"}, "ln:attr_pub_rec": {"$": 0.0, "type": "xsd:double"}, "ln:attr_revol_bal": {"$": 6567.0, "type": "xsd:double"}, "ln:attr_revol_util": {"$": 10.5, "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": {"$": "2026-04-27T05:01:38.746962", "type": "xsd:dateTime"}, "prov:type": {"$": "ln:CreditReference", "type": "prov:QUALIFIED_NAME"}}, "loan:fico_score/506": {"prov:type": {"$": "ln:FICOScore", "type": "prov:QUALIFIED_NAME"}, "ln:fico_range_low": {"$": 665.0, "type": "xsd:double"}, "ln:fico_range_high": {"$": 669.0, "type": "xsd:double"}, "ln:created_at": {"$": "2026-04-27T09:21:24.212735", "type": "xsd:dateTime"}}, "loan:pipeline/1": {"prov:type": {"$": "sk:pipeline.Pipeline", "type": "prov:QUALIFIED_NAME"}}, "py:loan_features/506": {"ln:attr_loan_amnt": {"$": 10000.0, "type": "xsd:double"}, "ln:attr_term": {"$": 36.0, "type": "xsd:double"}, "ln:attr_int_rate": {"$": 20.39, "type": "xsd:double"}, "ln:attr_installment": {"$": 373.63, "type": "xsd:double"}, "ln:attr_dti": {"$": 5.61, "type": "xsd:double"}, "ln:attr_earliest_cr_line": {"$": 2004.0, "type": "xsd:double"}, "ln:attr_open_acc": {"$": 9.0, "type": "xsd:double"}, "ln:attr_revol_util": {"$": 10.5, "type": "xsd:double"}, "ln:attr_total_acc": {"$": 21.0, "type": "xsd:double"}, "ln:attr_log_annual_inc": {"$": 5.096913487350014, "type": "xsd:double"}, "ln:attr_fico_score": {"$": 667.0, "type": "xsd:double"}, "ln:attr_log_revol_bal": {"$": 3.8174331441113845, "type": "xsd:double"}, "ln:attr_charged_off": {"$": 1.0, "type": "xsd:double"}, "ln:attr_sub_grade_D4": {"$": 1.0, "type": "xsd:double"}, "ln:attr_home_ownership_RENT": {"$": 1.0, "type": "xsd:double"}, "ln:attr_purpose_debt_consolidation": {"$": 1.0, "type": "xsd:double"}, "ln:attr_addr_state_NJ": {"$": 1.0, "type": "xsd:double"}, "prov:type": {"$": "pd:Series", "type": "prov:QUALIFIED_NAME"}}, "ex:recommendation/506": {"prov:type": {"$": "ln:AutomatedLoanRecommendation", "type": "prov:QUALIFIED_NAME"}, "ln:recommendation": {"$": "ln:approved", "type": "prov:QUALIFIED_NAME"}, "ln:probability_chargeoff": 0.2648386600318063}, "loan:applications/506/decision": {"prov:type": [{"$": "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/506", "prov:agent": "loan:applicants/506"}, "_:id2": {"prov:entity": "loan:credit_history/506", "prov:agent": "loan:credit_agency"}, "_:id3": {"prov:entity": "loan:fico_score/506", "prov:agent": "loan:fico"}, "_:id23": {"prov:entity": "loan:applications/506/decision", "prov:agent": "loan:staff/112"}}, "wasDerivedFrom": {"_:id4": {"prov:generatedEntity": "py:loan_features/506", "prov:usedEntity": "loan:applications/506"}, "_:id5": {"prov:generatedEntity": "py:loan_features/506", "prov:usedEntity": "loan:credit_history/506"}, "_:id6": {"prov:generatedEntity": "py:loan_features/506", "prov:usedEntity": "loan:fico_score/506"}, "_:id11": {"prov:generatedEntity": "ex:recommendation/506", "prov:usedEntity": "py:loan_features/506", "prov:activity": "ex:classify_loans/506"}, "_:id19": {"prov:generatedEntity": "loan:applications/506/decision", "prov:usedEntity": "ex:recommendation/506", "prov:activity": "ex:review_recommendation/506"}, "_:id20": {"prov:generatedEntity": "loan:applications/506/decision", "prov:usedEntity": "loan:applications/506", "prov:activity": "ex:review_recommendation/506"}, "_:id21": {"prov:generatedEntity": "loan:applications/506/decision", "prov:usedEntity": "loan:credit_history/506", "prov:activity": "ex:review_recommendation/506"}, "_:id22": {"prov:generatedEntity": "loan:applications/506/decision", "prov:usedEntity": "loan:fico_score/506", "prov:activity": "ex:review_recommendation/506"}, "_:id27": {"prov:generatedEntity": "loan:applications/506/decision", "prov:usedEntity": "loan:applications/506", "prov:activity": "ex:process_application/506"}}, "activity": {"ex:classify_loans/506": {"prov:startTime": "2026-05-03T08:30:42.493204", "prov:endTime": "2026-05-03T08:30:42.494197"}, "ex:review_recommendation/506": {"prov:type": [{"$": "ln:LoanAssessment", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:HumanLedActivity", "type": "prov:QUALIFIED_NAME"}]}, "ex:process_application/506": {"prov:startTime": "2026-05-03T08:30:42.492881", "prov:endTime": "2026-05-03T08:30:42.494525", "prov:type": {"$": "ln:AssessingLoanApplication", "type": "prov:QUALIFIED_NAME"}}}, "used": {"_:id7": {"prov:activity": "ex:classify_loans/506", "prov:entity": "py:loan_features/506"}, "_:id12": {"prov:activity": "ex:review_recommendation/506", "prov:entity": "loan:applications/506"}, "_:id13": {"prov:activity": "ex:review_recommendation/506", "prov:entity": "ex:recommendation/506"}, "_:id14": {"prov:activity": "ex:review_recommendation/506", "prov:entity": "loan:credit_history/506"}, "_:id15": {"prov:activity": "ex:review_recommendation/506", "prov:entity": "loan:fico_score/506"}, "_:id25": {"prov:activity": "ex:process_application/506", "prov:entity": "loan:applications/506"}}, "wasAssociatedWith": {"_:id8": {"prov:activity": "ex:classify_loans/506", "prov:agent": "ex:machine/950d29f79691", "prov:plan": "loan:pipeline/1"}, "_:id17": {"prov:activity": "ex:review_recommendation/506", "prov:agent": "loan:staff/112", "prov:plan": "loan:policy/loan_review/2019"}, "_:id24": {"prov:activity": "ex:process_application/506", "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/506", "prov:activity": "ex:classify_loans/506"}, "_:id18": {"prov:entity": "loan:applications/506/decision", "prov:activity": "ex:review_recommendation/506"}, "_:id26": {"prov:entity": "loan:applications/506/decision", "prov:activity": "ex:process_application/506"}}}