Home
(current)
Credit Scoring
School Admission
Loan Scenario
IAA Report
About
Provenance for Loan Decision #6021
Decided on: July 24, 2024, 10:05 p.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
b13
n2->b13
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/1060
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:staff/112
b14
n6->b14
actedOnBehalfOf
ann6
prov:type
ln:CreditOfficer
prov:type
prov:Person
ann6->n6
n7
loan:applications/1060
n7->n3
wasAttributedTo
ann7
prov:type
ln:LoanApplication
prov:type
pl:Controlled
ln:attr_addr_state
MN
ln:attr_annual_inc
96000.0
ln:attr_application_type
Individual
ln:attr_emp_length
2 years
ln:attr_emp_title
Sales Consultant
ln:attr_home_ownership
OWN
ln:attr_loan_amnt
35000.0
ln:attr_purpose
debt_consolidation
ln:attr_term
36 months
ln:attr_title
Debt consolidation
ln:attr_zip_code
553xx
ann7->n7
n8
loan:credit_history/1060
n8->n4
wasAttributedTo
ann8
prov:type
ln:CreditReference
ln:attr_earliest_cr_line
Mar-2003
ln:attr_mort_acc
1.0
ln:attr_open_acc
5.0
ln:attr_pub_rec
0.0
ln:attr_pub_rec_bankruptcies
0.0
ln:attr_revol_bal
83183.0
ln:attr_revol_util
99.0
ln:created_at
2024-07-22T10:38:20.228725
ann8->n8
n9
loan:fico_score/1060
n9->n5
wasAttributedTo
ann9
prov:type
ln:FICOScore
ln:created_at
2024-07-21T19:38:53.868113
ln:fico_range_high
674.0
ln:fico_range_low
670.0
ann9->n9
n10
loan:pipeline/3
ann10
prov:type
sk:pipeline.Pipeline
ann10->n10
n11
py:loan_features/1060
b1
n11->b1
wasDerivedFrom
b2
n11->b2
wasDerivedFrom
b3
n11->b3
wasDerivedFrom
ann11
prov:type
pd:Series
ln:attr_addr_state_MN
1.0
ln:attr_charged_off
1.0
ln:attr_dti
12.35
ln:attr_earliest_cr_line
2003.0
ln:attr_emp_length
2.0
ln:attr_fico_score
672.0
ln:attr_home_ownership_OWN
1.0
ln:attr_initial_list_status_w
1.0
ln:attr_installment
1326.73
ln:attr_int_rate
21.45
ln:attr_loan_amnt
35000.0
ln:attr_log_annual_inc
4.982275756916859
ln:attr_log_revol_bal
4.920039800089504
ln:attr_mort_acc
1.0
ln:attr_open_acc
5.0
ln:attr_purpose_debt_consolidation
1.0
ln:attr_revol_util
99.0
ln:attr_sub_grade_D5
1.0
ln:attr_term
36.0
ln:attr_total_acc
14.0
ln:attr_verification_status_Verified
1.0
ann11->n11
n12
ex:recommendation/1060
n14
ex:classify_loans/1060
n12->n14
wasGeneratedBy
b4
n12->b4
wasDerivedFrom
ann12
prov:type
ln:AutomatedLoanRecommendation
ln:probability_chargeoff
0.2648386600318063
ln:recommendation
ln:approved
ann12->n12
n13
loan:applications/1060/decision
n13->n6
wasAttributedTo
n15
ex:review_recommendation/1060
n13->n15
wasGeneratedBy
n16
ex:process_application/1060
n13->n16
wasGeneratedBy
b5
n13->b5
wasDerivedFrom
b6
n13->b6
wasDerivedFrom
b7
n13->b7
wasDerivedFrom
b8
n13->b8
wasDerivedFrom
b9
n13->b9
wasDerivedFrom
ann13
prov:type
ln:HumanDecision
prov:type
ln:LoanDecision
ln:result
ln:rejected
ann13->n13
n14->n11
used
b10
n14->b10
wasAssociatedWith
ann14
prov:startTime
2024-07-24T22:05:48.468345
prov:endTime
2024-07-24T22:05:48.470159
ann14->n14
n15->n7
used
n15->n8
used
n15->n9
used
n15->n12
used
b11
n15->b11
wasAssociatedWith
ann15
prov:type
ln:LoanAssessment
prov:type
pl:HumanLedActivity
ann15->n15
n16->n7
used
b12
n16->b12
wasAssociatedWith
ann16
prov:startTime
2024-07-24T22:05:48.467794
prov:endTime
2024-07-24T22:05:48.470833
prov:type
ln:AssessingLoanApplication
ann16->n16
b1->n7
b2->n8
b3->n9
b4->n11
b4->n14
activity
b5->n12
b5->n15
activity
b6->n7
b6->n15
activity
b7->n8
b7->n15
activity
b8->n9
b8->n15
activity
b9->n7
b9->n16
activity
b10->n2
b10->n10
plan
b11->n6
n17
loan:policy/loan_review/2019
b11->n17
plan
b12->n1
b13->n1
b14->n1