Provenance for Loan Decision #62

Decided on: Jan. 22, 2025, 4:36 p.m.

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G n1 loan:institution ann1 prov:type prov:Organization ann1->n1 n2 ex:machine/950d29f79691 b11 n2->b11 actedOnBehalfOf ann2 prov:type prov:SoftwareAgent ln:machine_python_version 3.11.10 ln:machine_release 4.18.0-477.51.1.el8_8.x86_64 ln:machine_system Linux ln:machine_version #1 SMP Fri Mar 1 11:21:44 EST 2024 ann2->n2 n3 loan:applicants/40 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/40 n6->n3 wasAttributedTo ann6 prov:type ln:LoanApplication prov:type pl:Controlled ln:attr_addr_state TX ln:attr_annual_inc 57000.0 ln:attr_application_type Joint App ln:attr_emp_length 4 years ln:attr_emp_title Teacher ln:attr_home_ownership MORTGAGE ln:attr_loan_amnt 35000.0 ln:attr_purpose debt_consolidation ln:attr_term 60 months ln:attr_title Debt consolidation ln:attr_zip_code 762xx ann6->n6 n7 loan:credit_history/40 n7->n4 wasAttributedTo ann7 prov:type ln:CreditReference ln:attr_earliest_cr_line Nov-2000 ln:attr_mort_acc 1.0 ln:attr_open_acc 12.0 ln:attr_pub_rec 0.0 ln:attr_pub_rec_bankruptcies 0.0 ln:attr_revol_bal 3021.0 ln:attr_revol_util 28.2 ln:created_at 2025-01-18T18:39:09.655822 ann7->n7 n8 loan:fico_score/40 n8->n5 wasAttributedTo ann8 prov:type ln:FICOScore ln:created_at 2025-01-17T02:55:47.709332 ln:fico_range_high 749.0 ln:fico_range_low 745.0 ann8->n8 n9 loan:pipeline/1 ann9 prov:type sk:pipeline.Pipeline ann9->n9 n10 py:loan_features/40 b1 n10->b1 wasDerivedFrom b2 n10->b2 wasDerivedFrom b3 n10->b3 wasDerivedFrom ann10 prov:type pd:Series ln:attr_addr_state_TX 1.0 ln:attr_application_type_Joint_App 1.0 ln:attr_dti 59.16 ln:attr_earliest_cr_line 2000.0 ln:attr_emp_length 4.0 ln:attr_fico_score 747.0 ln:attr_initial_list_status_w 1.0 ln:attr_installment 1024.02 ln:attr_int_rate 24.84 ln:attr_loan_amnt 35000.0 ln:attr_log_annual_inc 4.755882474807094 ln:attr_log_revol_bal 3.4802944600030066 ln:attr_mort_acc 1.0 ln:attr_open_acc 12.0 ln:attr_purpose_debt_consolidation 1.0 ln:attr_revol_util 28.2 ln:attr_sub_grade_E3 1.0 ln:attr_term 60.0 ln:attr_total_acc 27.0 ann10->n10 n11 ex:recommendation/40 n13 ex:classify_loans/40 n11->n13 wasGeneratedBy b4 n11->b4 wasDerivedFrom ann11 prov:type ln:AutomatedLoanRecommendation ln:probability_chargeoff 0.5318606627017842 ln:recommendation ln:rejected ann11->n11 n12 loan:applications/40/decision n12->n2 wasAttributedTo n14 ex:process_application/40 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:rejected ann12->n12 n13->n10 used b9 n13->b9 wasAssociatedWith ann13 prov:startTime 2025-01-22T16:36:39.566355 prov:endTime 2025-01-22T16:36:39.567215 ann13->n13 n14->n6 used b10 n14->b10 wasAssociatedWith ann14 prov:startTime 2025-01-22T16:36:39.566027 prov:endTime 2025-01-22T16:36:39.567411 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