{"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/523": {"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/523": {"ln:attr_loan_amnt": {"$": 18000.0, "type": "xsd:double"}, "ln:attr_term": " 60 months", "ln:attr_emp_title": "Safe Reconciliation", "ln:attr_emp_length": "3 years", "ln:attr_home_ownership": "MORTGAGE", "ln:attr_annual_inc": {"$": 24000.0, "type": "xsd:double"}, "ln:attr_purpose": "debt_consolidation", "ln:attr_title": "Debt consolidation", "ln:attr_zip_code": "730xx", "ln:attr_addr_state": "OK", "ln:attr_application_type": "Joint App", "prov:type": [{"$": "pl:Controlled", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:LoanApplication", "type": "prov:QUALIFIED_NAME"}]}, "loan:credit_history/523": {"ln:attr_earliest_cr_line": "Aug-2012", "ln:attr_open_acc": {"$": 9.0, "type": "xsd:double"}, "ln:attr_pub_rec": {"$": 0.0, "type": "xsd:double"}, "ln:attr_revol_bal": {"$": 5630.0, "type": "xsd:double"}, "ln:attr_revol_util": {"$": 24.9, "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": {"$": "2026-05-12T08:17:10.595918", "type": "xsd:dateTime"}, "prov:type": {"$": "ln:CreditReference", "type": "prov:QUALIFIED_NAME"}}, "loan:fico_score/523": {"prov:type": {"$": "ln:FICOScore", "type": "prov:QUALIFIED_NAME"}, "ln:fico_range_low": {"$": 720.0, "type": "xsd:double"}, "ln:fico_range_high": {"$": 724.0, "type": "xsd:double"}, "ln:created_at": {"$": "2026-05-10T20:31:03.068435", "type": "xsd:dateTime"}}, "loan:pipeline/1": {"prov:type": {"$": "sk:pipeline.Pipeline", "type": "prov:QUALIFIED_NAME"}}, "py:loan_features/523": {"ln:attr_loan_amnt": {"$": 18000.0, "type": "xsd:double"}, "ln:attr_term": {"$": 60.0, "type": "xsd:double"}, "ln:attr_int_rate": {"$": 14.08, "type": "xsd:double"}, "ln:attr_installment": {"$": 419.58, "type": "xsd:double"}, "ln:attr_emp_length": {"$": 3.0, "type": "xsd:double"}, "ln:attr_dti": {"$": 25.8, "type": "xsd:double"}, "ln:attr_earliest_cr_line": {"$": 2012.0, "type": "xsd:double"}, "ln:attr_open_acc": {"$": 9.0, "type": "xsd:double"}, "ln:attr_revol_util": {"$": 24.9, "type": "xsd:double"}, "ln:attr_total_acc": {"$": 11.0, "type": "xsd:double"}, "ln:attr_log_annual_inc": {"$": 4.380229336938037, "type": "xsd:double"}, "ln:attr_fico_score": {"$": 722.0, "type": "xsd:double"}, "ln:attr_log_revol_bal": {"$": 3.7505855273410087, "type": "xsd:double"}, "ln:attr_sub_grade_C3": {"$": 1.0, "type": "xsd:double"}, "ln:attr_verification_status_Source_Verified": {"$": 1.0, "type": "xsd:double"}, "ln:attr_purpose_debt_consolidation": {"$": 1.0, "type": "xsd:double"}, "ln:attr_addr_state_OK": {"$": 1.0, "type": "xsd:double"}, "ln:attr_initial_list_status_w": {"$": 1.0, "type": "xsd:double"}, "ln:attr_application_type_Joint_App": {"$": 1.0, "type": "xsd:double"}, "prov:type": {"$": "pd:Series", "type": "prov:QUALIFIED_NAME"}}, "ex:recommendation/523": {"prov:type": {"$": "ln:AutomatedLoanRecommendation", "type": "prov:QUALIFIED_NAME"}, "ln:recommendation": {"$": "ln:approved", "type": "prov:QUALIFIED_NAME"}, "ln:probability_chargeoff": 0.3542850836046576}, "loan:applications/523/decision": {"prov:type": [{"$": "ln:HumanDecision", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:LoanDecision", "type": "prov:QUALIFIED_NAME"}], "ln:result": {"$": "ln:approved", "type": "prov:QUALIFIED_NAME"}}}, "wasAttributedTo": {"_:id1": {"prov:entity": "loan:applications/523", "prov:agent": "loan:applicants/523"}, "_:id2": {"prov:entity": "loan:credit_history/523", "prov:agent": "loan:credit_agency"}, "_:id3": {"prov:entity": "loan:fico_score/523", "prov:agent": "loan:fico"}, "_:id23": {"prov:entity": "loan:applications/523/decision", "prov:agent": "loan:staff/112"}}, "wasDerivedFrom": {"_:id4": {"prov:generatedEntity": "py:loan_features/523", "prov:usedEntity": "loan:applications/523"}, "_:id5": {"prov:generatedEntity": "py:loan_features/523", "prov:usedEntity": "loan:credit_history/523"}, "_:id6": {"prov:generatedEntity": "py:loan_features/523", "prov:usedEntity": "loan:fico_score/523"}, "_:id11": {"prov:generatedEntity": "ex:recommendation/523", "prov:usedEntity": "py:loan_features/523", "prov:activity": "ex:classify_loans/523"}, "_:id19": {"prov:generatedEntity": "loan:applications/523/decision", "prov:usedEntity": "ex:recommendation/523", "prov:activity": "ex:review_recommendation/523"}, "_:id20": {"prov:generatedEntity": "loan:applications/523/decision", "prov:usedEntity": "loan:applications/523", "prov:activity": "ex:review_recommendation/523"}, "_:id21": {"prov:generatedEntity": "loan:applications/523/decision", "prov:usedEntity": "loan:credit_history/523", "prov:activity": "ex:review_recommendation/523"}, "_:id22": {"prov:generatedEntity": "loan:applications/523/decision", "prov:usedEntity": "loan:fico_score/523", "prov:activity": "ex:review_recommendation/523"}, "_:id27": {"prov:generatedEntity": "loan:applications/523/decision", "prov:usedEntity": "loan:applications/523", "prov:activity": "ex:process_application/523"}}, "activity": {"ex:classify_loans/523": {"prov:startTime": "2026-05-14T14:14:17.797078", "prov:endTime": "2026-05-14T14:14:17.798013"}, "ex:review_recommendation/523": {"prov:type": [{"$": "ln:LoanAssessment", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:HumanLedActivity", "type": "prov:QUALIFIED_NAME"}]}, "ex:process_application/523": {"prov:startTime": "2026-05-14T14:14:17.796729", "prov:endTime": "2026-05-14T14:14:17.798317", "prov:type": {"$": "ln:AssessingLoanApplication", "type": "prov:QUALIFIED_NAME"}}}, "used": {"_:id7": {"prov:activity": "ex:classify_loans/523", "prov:entity": "py:loan_features/523"}, "_:id12": {"prov:activity": "ex:review_recommendation/523", "prov:entity": "loan:applications/523"}, "_:id13": {"prov:activity": "ex:review_recommendation/523", "prov:entity": "ex:recommendation/523"}, "_:id14": {"prov:activity": "ex:review_recommendation/523", "prov:entity": "loan:credit_history/523"}, "_:id15": {"prov:activity": "ex:review_recommendation/523", "prov:entity": "loan:fico_score/523"}, "_:id25": {"prov:activity": "ex:process_application/523", "prov:entity": "loan:applications/523"}}, "wasAssociatedWith": {"_:id8": {"prov:activity": "ex:classify_loans/523", "prov:agent": "ex:machine/950d29f79691", "prov:plan": "loan:pipeline/1"}, "_:id17": {"prov:activity": "ex:review_recommendation/523", "prov:agent": "loan:staff/112", "prov:plan": "loan:policy/loan_review/2019"}, "_:id24": {"prov:activity": "ex:process_application/523", "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/523", "prov:activity": "ex:classify_loans/523"}, "_:id18": {"prov:entity": "loan:applications/523/decision", "prov:activity": "ex:review_recommendation/523"}, "_:id26": {"prov:entity": "loan:applications/523/decision", "prov:activity": "ex:process_application/523"}}}