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/726, [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/726, [ln:attr_loan_amnt="20300" %% xsd:float, ln:attr_term=" 60 months", ln:attr_emp_title="Payroll Specialist", ln:attr_emp_length="2 years", ln:attr_home_ownership="MORTGAGE", ln:attr_annual_inc="70000" %% xsd:float, ln:attr_purpose="home_improvement", ln:attr_title="Home improvement", ln:attr_zip_code="272xx", ln:attr_addr_state="NC", ln:attr_application_type="Individual", prov:type='pl:Controlled', prov:type='ln:LoanApplication'])
  entity(loan:credit_history/726, [ln:attr_earliest_cr_line="Jun-2003", ln:attr_open_acc="17" %% xsd:float, ln:attr_pub_rec="0" %% xsd:float, ln:attr_revol_bal="53984" %% xsd:float, ln:attr_revol_util="68.1" %% xsd:float, ln:attr_mort_acc="2" %% xsd:float, ln:attr_pub_rec_bankruptcies="0" %% xsd:float, ln:created_at="2026-09-17T17:28:18.132843" %% xsd:dateTime, prov:type='ln:CreditReference'])
  entity(loan:fico_score/726, [prov:type='ln:FICOScore', ln:fico_range_low="680" %% xsd:float, ln:fico_range_high="684" %% xsd:float, ln:created_at="2026-09-12T05:36:17.006692" %% xsd:dateTime])
  entity(loan:pipeline/1, [prov:type='sk:pipeline.Pipeline'])
  entity(py:loan_features/726, [ln:attr_loan_amnt="20300" %% xsd:float, ln:attr_term="60" %% xsd:float, ln:attr_int_rate="19.03" %% xsd:float, ln:attr_installment="526.93" %% xsd:float, ln:attr_emp_length="2" %% xsd:float, ln:attr_dti="34.08" %% xsd:float, ln:attr_earliest_cr_line="2003" %% xsd:float, ln:attr_open_acc="17" %% xsd:float, ln:attr_revol_util="68.1" %% xsd:float, ln:attr_total_acc="26" %% xsd:float, ln:attr_mort_acc="2" %% xsd:float, ln:attr_log_annual_inc="4.8451" %% xsd:float, ln:attr_fico_score="682" %% xsd:float, ln:attr_log_revol_bal="4.73227" %% xsd:float, ln:attr_charged_off="1" %% xsd:float, ln:attr_sub_grade_D3="1" %% xsd:float, ln:attr_verification_status_Source_Verified="1" %% xsd:float, ln:attr_purpose_home_improvement="1" %% xsd:float, ln:attr_addr_state_NC="1" %% xsd:float, ln:attr_initial_list_status_w="1" %% xsd:float, prov:type='pd:Series'])
  entity(ex:recommendation/726, [prov:type='ln:AutomatedLoanRecommendation', ln:recommendation='ln:approved', ln:probability_chargeoff="0.438035" %% xsd:float])
  entity(loan:applications/726/decision, [prov:type='ln:HumanDecision', prov:type='ln:LoanDecision', ln:result='ln:rejected'])
  wasAttributedTo(loan:applications/726, loan:applicants/726)
  wasAttributedTo(loan:credit_history/726, loan:credit_agency)
  wasAttributedTo(loan:fico_score/726, loan:fico)
  wasAttributedTo(loan:applications/726/decision, loan:staff/112)
  wasDerivedFrom(py:loan_features/726, loan:applications/726, -, -, -)
  wasDerivedFrom(py:loan_features/726, loan:credit_history/726, -, -, -)
  wasDerivedFrom(py:loan_features/726, loan:fico_score/726, -, -, -)
  wasDerivedFrom(ex:recommendation/726, py:loan_features/726, ex:classify_loans/726, -, -)
  wasDerivedFrom(loan:applications/726/decision, ex:recommendation/726, ex:review_recommendation/726, -, -)
  wasDerivedFrom(loan:applications/726/decision, loan:applications/726, ex:review_recommendation/726, -, -)
  wasDerivedFrom(loan:applications/726/decision, loan:credit_history/726, ex:review_recommendation/726, -, -)
  wasDerivedFrom(loan:applications/726/decision, loan:fico_score/726, ex:review_recommendation/726, -, -)
  wasDerivedFrom(loan:applications/726/decision, loan:applications/726, ex:process_application/726, -, -)
  activity(ex:classify_loans/726, 2026-09-18T17:28:04.266773, 2026-09-18T17:28:04.268094)
  activity(ex:review_recommendation/726, -, -, [prov:type='ln:LoanAssessment', prov:type='pl:HumanLedActivity'])
  activity(ex:process_application/726, 2026-09-18T17:28:04.266056, 2026-09-18T17:28:04.268454, [prov:type='ln:AssessingLoanApplication'])
  used(ex:classify_loans/726, py:loan_features/726, -)
  used(ex:review_recommendation/726, loan:applications/726, -)
  used(ex:review_recommendation/726, ex:recommendation/726, -)
  used(ex:review_recommendation/726, loan:credit_history/726, -)
  used(ex:review_recommendation/726, loan:fico_score/726, -)
  used(ex:process_application/726, loan:applications/726, -)
  wasAssociatedWith(ex:classify_loans/726, ex:machine/950d29f79691, loan:pipeline/1)
  wasAssociatedWith(ex:review_recommendation/726, loan:staff/112, loan:policy/loan_review/2019)
  wasAssociatedWith(ex:process_application/726, loan:institution, -)
  actedOnBehalfOf(ex:machine/950d29f79691, loan:institution, -)
  actedOnBehalfOf(loan:staff/112, loan:institution, -)
  wasGeneratedBy(ex:recommendation/726, ex:classify_loans/726, -)
  wasGeneratedBy(loan:applications/726/decision, ex:review_recommendation/726, -)
  wasGeneratedBy(loan:applications/726/decision, ex:process_application/726, -)
endDocument