document
  prefix pd <https://pandas.pydata.org/#>
  prefix py <urn:python:var:>
  prefix sk <https://scikit-learn.org/stable/modules/generated/sklearn.>
  prefix ln <https://plead-project.org/ns/loan#>
  prefix pl <http://openprovenancce.org/ns/plead#>
  prefix loan <https://explain.openprovenance.org/loan/>
  prefix file <file://>
  prefix ex <http://example.org/>
  
  agent(loan:institution, [prov:type='prov:Organization'])
  agent(ex:machine/950d29f79691, [prov:type='prov:SoftwareAgent', 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"])
  agent(loan:applicants/588, [prov:type='prov:Person', prov:type='ln:LoanApplicant'])
  agent(loan:credit_agency, [prov:type='ln:CreditReferencingAgency', prov:type='prov:Organization'])
  agent(loan:fico, [prov:type='ln:CreditReferencingAgency', prov:type='prov:Organization'])
  agent(loan:staff/112, [prov:type='prov:Person', prov:type='ln:CreditOfficer'])
  entity(loan:applications/588, [ln:attr_loan_amnt="6400" %% xsd:float, ln:attr_term=" 36 months", ln:attr_emp_title="Case Manager ", ln:attr_emp_length="2 years", ln:attr_home_ownership="RENT", ln:attr_annual_inc="40000" %% xsd:float, ln:attr_purpose="debt_consolidation", ln:attr_title="Debt consolidation", ln:attr_zip_code="104xx", ln:attr_addr_state="NY", ln:attr_application_type="Individual", prov:type='pl:Controlled', prov:type='ln:LoanApplication'])
  entity(loan:credit_history/588, [ln:attr_earliest_cr_line="Nov-2010", ln:attr_open_acc="4" %% xsd:float, ln:attr_pub_rec="0" %% xsd:float, ln:attr_revol_bal="1489" %% xsd:float, ln:attr_revol_util="15.8" %% xsd:float, ln:attr_mort_acc="0" %% xsd:float, ln:attr_pub_rec_bankruptcies="0" %% xsd:float, ln:created_at="2026-06-27T14:40:36.213871" %% xsd:dateTime, prov:type='ln:CreditReference'])
  entity(loan:fico_score/588, [prov:type='ln:FICOScore', ln:fico_range_low="695" %% xsd:float, ln:fico_range_high="699" %% xsd:float, ln:created_at="2026-06-28T18:07:48.389017" %% xsd:dateTime])
  entity(loan:pipeline/1, [prov:type='sk:pipeline.Pipeline'])
  entity(py:loan_features/588, [ln:attr_loan_amnt="6400" %% xsd:float, ln:attr_term="36" %% xsd:float, ln:attr_int_rate="12.62" %% xsd:float, ln:attr_installment="214.48" %% xsd:float, ln:attr_emp_length="2" %% xsd:float, ln:attr_dti="1.34" %% xsd:float, ln:attr_earliest_cr_line="2010" %% xsd:float, ln:attr_open_acc="4" %% xsd:float, ln:attr_revol_util="15.8" %% xsd:float, ln:attr_total_acc="8" %% xsd:float, ln:attr_log_annual_inc="4.60207" %% xsd:float, ln:attr_fico_score="697" %% xsd:float, ln:attr_log_revol_bal="3.17319" %% xsd:float, ln:attr_sub_grade_C1="1" %% xsd:float, ln:attr_home_ownership_RENT="1" %% xsd:float, ln:attr_verification_status_Verified="1" %% xsd:float, ln:attr_purpose_debt_consolidation="1" %% xsd:float, ln:attr_addr_state_NY="1" %% xsd:float, prov:type='pd:Series'])
  entity(ex:recommendation/588, [prov:type='ln:AutomatedLoanRecommendation', ln:recommendation='ln:approved', ln:probability_chargeoff="0.214757" %% xsd:float])
  entity(loan:applications/588/decision, [prov:type='ln:HumanDecision', prov:type='ln:LoanDecision', ln:result='ln:approved'])
  wasAttributedTo(loan:applications/588, loan:applicants/588)
  wasAttributedTo(loan:credit_history/588, loan:credit_agency)
  wasAttributedTo(loan:fico_score/588, loan:fico)
  wasAttributedTo(loan:applications/588/decision, loan:staff/112)
  wasDerivedFrom(py:loan_features/588, loan:applications/588, -, -, -)
  wasDerivedFrom(py:loan_features/588, loan:credit_history/588, -, -, -)
  wasDerivedFrom(py:loan_features/588, loan:fico_score/588, -, -, -)
  wasDerivedFrom(ex:recommendation/588, py:loan_features/588, ex:classify_loans/588, -, -)
  wasDerivedFrom(loan:applications/588/decision, ex:recommendation/588, ex:review_recommendation/588, -, -)
  wasDerivedFrom(loan:applications/588/decision, loan:applications/588, ex:review_recommendation/588, -, -)
  wasDerivedFrom(loan:applications/588/decision, loan:credit_history/588, ex:review_recommendation/588, -, -)
  wasDerivedFrom(loan:applications/588/decision, loan:fico_score/588, ex:review_recommendation/588, -, -)
  wasDerivedFrom(loan:applications/588/decision, loan:applications/588, ex:process_application/588, -, -)
  activity(ex:classify_loans/588, 2026-07-01T15:34:07.634310, 2026-07-01T15:34:07.635452)
  activity(ex:review_recommendation/588, -, -, [prov:type='ln:LoanAssessment', prov:type='pl:HumanLedActivity'])
  activity(ex:process_application/588, 2026-07-01T15:34:07.633891, 2026-07-01T15:34:07.635794, [prov:type='ln:AssessingLoanApplication'])
  used(ex:classify_loans/588, py:loan_features/588, -)
  used(ex:review_recommendation/588, loan:applications/588, -)
  used(ex:review_recommendation/588, ex:recommendation/588, -)
  used(ex:review_recommendation/588, loan:credit_history/588, -)
  used(ex:review_recommendation/588, loan:fico_score/588, -)
  used(ex:process_application/588, loan:applications/588, -)
  wasAssociatedWith(ex:classify_loans/588, ex:machine/950d29f79691, loan:pipeline/1)
  wasAssociatedWith(ex:review_recommendation/588, loan:staff/112, loan:policy/loan_review/2019)
  wasAssociatedWith(ex:process_application/588, loan:institution, -)
  actedOnBehalfOf(ex:machine/950d29f79691, loan:institution, -)
  actedOnBehalfOf(loan:staff/112, loan:institution, -)
  wasGeneratedBy(ex:recommendation/588, ex:classify_loans/588, -)
  wasGeneratedBy(loan:applications/588/decision, ex:review_recommendation/588, -)
  wasGeneratedBy(loan:applications/588/decision, ex:process_application/588, -)
endDocument