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/729, [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/729, [ln:attr_loan_amnt="15000" %% xsd:float, ln:attr_term=" 36 months", ln:attr_emp_title="Office Manager", ln:attr_emp_length="5 years", ln:attr_home_ownership="MORTGAGE", ln:attr_annual_inc="55000" %% xsd:float, ln:attr_purpose="debt_consolidation", ln:attr_title="Debt consolidation", ln:attr_zip_code="488xx", ln:attr_addr_state="MI", ln:attr_application_type="Individual", prov:type='pl:Controlled', prov:type='ln:LoanApplication'])
  entity(loan:credit_history/729, [ln:attr_earliest_cr_line="Aug-2008", ln:attr_open_acc="14" %% xsd:float, ln:attr_pub_rec="0" %% xsd:float, ln:attr_revol_bal="20352" %% xsd:float, ln:attr_revol_util="75.4" %% xsd:float, ln:attr_mort_acc="0" %% xsd:float, ln:attr_pub_rec_bankruptcies="0" %% xsd:float, ln:created_at="2026-09-17T18:06:54.819034" %% xsd:dateTime, prov:type='ln:CreditReference'])
  entity(loan:fico_score/729, [prov:type='ln:FICOScore', ln:fico_range_low="665" %% xsd:float, ln:fico_range_high="669" %% xsd:float, ln:created_at="2026-09-17T09:06:58.282556" %% xsd:dateTime])
  entity(loan:pipeline/1, [prov:type='sk:pipeline.Pipeline'])
  entity(py:loan_features/729, [ln:attr_loan_amnt="15000" %% xsd:float, ln:attr_term="36" %% xsd:float, ln:attr_int_rate="16.02" %% xsd:float, ln:attr_installment="527.51" %% xsd:float, ln:attr_emp_length="5" %% xsd:float, ln:attr_dti="21.36" %% xsd:float, ln:attr_earliest_cr_line="2008" %% xsd:float, ln:attr_open_acc="14" %% xsd:float, ln:attr_revol_util="75.4" %% xsd:float, ln:attr_total_acc="36" %% xsd:float, ln:attr_log_annual_inc="4.74037" %% xsd:float, ln:attr_fico_score="667" %% xsd:float, ln:attr_log_revol_bal="4.30863" %% xsd:float, ln:attr_charged_off="1" %% xsd:float, ln:attr_sub_grade_C5="1" %% xsd:float, ln:attr_verification_status_Source_Verified="1" %% xsd:float, ln:attr_purpose_debt_consolidation="1" %% xsd:float, ln:attr_addr_state_MI="1" %% xsd:float, ln:attr_initial_list_status_w="1" %% xsd:float, prov:type='pd:Series'])
  entity(ex:recommendation/729, [prov:type='ln:AutomatedLoanRecommendation', ln:recommendation='ln:approved', ln:probability_chargeoff="0.259626" %% xsd:float])
  entity(loan:applications/729/decision, [prov:type='ln:HumanDecision', prov:type='ln:LoanDecision', ln:result='ln:rejected'])
  wasAttributedTo(loan:applications/729, loan:applicants/729)
  wasAttributedTo(loan:credit_history/729, loan:credit_agency)
  wasAttributedTo(loan:fico_score/729, loan:fico)
  wasAttributedTo(loan:applications/729/decision, loan:staff/112)
  wasDerivedFrom(py:loan_features/729, loan:applications/729, -, -, -)
  wasDerivedFrom(py:loan_features/729, loan:credit_history/729, -, -, -)
  wasDerivedFrom(py:loan_features/729, loan:fico_score/729, -, -, -)
  wasDerivedFrom(ex:recommendation/729, py:loan_features/729, ex:classify_loans/729, -, -)
  wasDerivedFrom(loan:applications/729/decision, ex:recommendation/729, ex:review_recommendation/729, -, -)
  wasDerivedFrom(loan:applications/729/decision, loan:applications/729, ex:review_recommendation/729, -, -)
  wasDerivedFrom(loan:applications/729/decision, loan:credit_history/729, ex:review_recommendation/729, -, -)
  wasDerivedFrom(loan:applications/729/decision, loan:fico_score/729, ex:review_recommendation/729, -, -)
  wasDerivedFrom(loan:applications/729/decision, loan:applications/729, ex:process_application/729, -, -)
  activity(ex:classify_loans/729, 2026-09-20T05:56:37.948863, 2026-09-20T05:56:37.949976)
  activity(ex:review_recommendation/729, -, -, [prov:type='ln:LoanAssessment', prov:type='pl:HumanLedActivity'])
  activity(ex:process_application/729, 2026-09-20T05:56:37.948421, 2026-09-20T05:56:37.950331, [prov:type='ln:AssessingLoanApplication'])
  used(ex:classify_loans/729, py:loan_features/729, -)
  used(ex:review_recommendation/729, loan:applications/729, -)
  used(ex:review_recommendation/729, ex:recommendation/729, -)
  used(ex:review_recommendation/729, loan:credit_history/729, -)
  used(ex:review_recommendation/729, loan:fico_score/729, -)
  used(ex:process_application/729, loan:applications/729, -)
  wasAssociatedWith(ex:classify_loans/729, ex:machine/950d29f79691, loan:pipeline/1)
  wasAssociatedWith(ex:review_recommendation/729, loan:staff/112, loan:policy/loan_review/2019)
  wasAssociatedWith(ex:process_application/729, loan:institution, -)
  actedOnBehalfOf(ex:machine/950d29f79691, loan:institution, -)
  actedOnBehalfOf(loan:staff/112, loan:institution, -)
  wasGeneratedBy(ex:recommendation/729, ex:classify_loans/729, -)
  wasGeneratedBy(loan:applications/729/decision, ex:review_recommendation/729, -)
  wasGeneratedBy(loan:applications/729/decision, ex:process_application/729, -)
endDocument