{"prefix": {"pd": "https://pandas.pydata.org/#", "py": "urn:python:var:", "sk": "https://scikit-learn.org/stable/modules/generated/sklearn.", "ln": "https://plead-project.org/ns/loan#", "pl": "http://openprovenancce.org/ns/plead#", "loan": "https://explain.openprovenance.org/loan/", "file": "file://", "ex": "http://example.org/"}, "agent": {"loan:institution": {"prov:type": {"$": "prov:Organization", "type": "prov:QUALIFIED_NAME"}}, "ex:machine/950d29f79691": {"prov:type": {"$": "prov:SoftwareAgent", "type": "prov:QUALIFIED_NAME"}, "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"}, "loan:applicants/772": {"prov:type": [{"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:LoanApplicant", "type": "prov:QUALIFIED_NAME"}]}, "loan:credit_agency": {"prov:type": [{"$": "ln:CreditReferencingAgency", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Organization", "type": "prov:QUALIFIED_NAME"}]}, "loan:fico": {"prov:type": [{"$": "ln:CreditReferencingAgency", "type": "prov:QUALIFIED_NAME"}, {"$": "prov:Organization", "type": "prov:QUALIFIED_NAME"}]}, "loan:staff/112": {"prov:type": [{"$": "prov:Person", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:CreditOfficer", "type": "prov:QUALIFIED_NAME"}]}}, "entity": {"loan:applications/772": {"ln:attr_loan_amnt": {"$": 17000.0, "type": "xsd:double"}, "ln:attr_term": " 60 months", "ln:attr_emp_title": "Senior meter tech", "ln:attr_emp_length": "10+ years", "ln:attr_home_ownership": "RENT", "ln:attr_annual_inc": {"$": 140000.0, "type": "xsd:double"}, "ln:attr_purpose": "debt_consolidation", "ln:attr_title": "Debt consolidation", "ln:attr_zip_code": "068xx", "ln:attr_addr_state": "CT", "ln:attr_application_type": "Individual", "prov:type": [{"$": "pl:Controlled", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:LoanApplication", "type": "prov:QUALIFIED_NAME"}]}, "loan:credit_history/772": {"ln:attr_earliest_cr_line": "Jan-2005", "ln:attr_open_acc": {"$": 15.0, "type": "xsd:double"}, "ln:attr_pub_rec": {"$": 0.0, "type": "xsd:double"}, "ln:attr_revol_bal": {"$": 14220.0, "type": "xsd:double"}, "ln:attr_revol_util": {"$": 20.3, "type": "xsd:double"}, "ln:attr_mort_acc": {"$": 0.0, "type": "xsd:double"}, "ln:attr_pub_rec_bankruptcies": {"$": 0.0, "type": "xsd:double"}, "ln:created_at": {"$": "2026-10-05T17:27:36.134303", "type": "xsd:dateTime"}, "prov:type": {"$": "ln:CreditReference", "type": "prov:QUALIFIED_NAME"}}, "loan:fico_score/772": {"prov:type": {"$": "ln:FICOScore", "type": "prov:QUALIFIED_NAME"}, "ln:fico_range_low": {"$": 715.0, "type": "xsd:double"}, "ln:fico_range_high": {"$": 719.0, "type": "xsd:double"}, "ln:created_at": {"$": "2026-10-03T19:19:59.690332", "type": "xsd:dateTime"}}, "loan:pipeline/1": {"prov:type": {"$": "sk:pipeline.Pipeline", "type": "prov:QUALIFIED_NAME"}}, "py:loan_features/772": {"ln:attr_loan_amnt": {"$": 17000.0, "type": "xsd:double"}, "ln:attr_term": {"$": 60.0, "type": "xsd:double"}, "ln:attr_int_rate": {"$": 11.99, "type": "xsd:double"}, "ln:attr_installment": {"$": 378.07, "type": "xsd:double"}, "ln:attr_emp_length": {"$": 10.0, "type": "xsd:double"}, "ln:attr_dti": {"$": 8.95, "type": "xsd:double"}, "ln:attr_earliest_cr_line": {"$": 2005.0, "type": "xsd:double"}, "ln:attr_open_acc": {"$": 15.0, "type": "xsd:double"}, "ln:attr_revol_util": {"$": 20.3, "type": "xsd:double"}, "ln:attr_total_acc": {"$": 30.0, "type": "xsd:double"}, "ln:attr_log_annual_inc": {"$": 5.146131137770602, "type": "xsd:double"}, "ln:attr_fico_score": {"$": 717.0, "type": "xsd:double"}, "ln:attr_log_revol_bal": {"$": 4.152930136422725, "type": "xsd:double"}, "ln:attr_sub_grade_B5": {"$": 1.0, "type": "xsd:double"}, "ln:attr_home_ownership_RENT": {"$": 1.0, "type": "xsd:double"}, "ln:attr_purpose_debt_consolidation": {"$": 1.0, "type": "xsd:double"}, "ln:attr_addr_state_CT": {"$": 1.0, "type": "xsd:double"}, "ln:attr_initial_list_status_w": {"$": 1.0, "type": "xsd:double"}, "prov:type": {"$": "pd:Series", "type": "prov:QUALIFIED_NAME"}}, "ex:recommendation/772": {"prov:type": {"$": "ln:AutomatedLoanRecommendation", "type": "prov:QUALIFIED_NAME"}, "ln:recommendation": {"$": "ln:approved", "type": "prov:QUALIFIED_NAME"}, "ln:probability_chargeoff": 0.2744105665967165}, "loan:applications/772/decision": {"prov:type": [{"$": "ln:HumanDecision", "type": "prov:QUALIFIED_NAME"}, {"$": "ln:LoanDecision", "type": "prov:QUALIFIED_NAME"}], "ln:result": {"$": "ln:rejected", "type": "prov:QUALIFIED_NAME"}}}, "wasAttributedTo": {"_:id1": {"prov:entity": "loan:applications/772", "prov:agent": "loan:applicants/772"}, "_:id2": {"prov:entity": "loan:credit_history/772", "prov:agent": "loan:credit_agency"}, "_:id3": {"prov:entity": "loan:fico_score/772", "prov:agent": "loan:fico"}, "_:id23": {"prov:entity": "loan:applications/772/decision", "prov:agent": "loan:staff/112"}}, "wasDerivedFrom": {"_:id4": {"prov:generatedEntity": "py:loan_features/772", "prov:usedEntity": "loan:applications/772"}, "_:id5": {"prov:generatedEntity": "py:loan_features/772", "prov:usedEntity": "loan:credit_history/772"}, "_:id6": {"prov:generatedEntity": "py:loan_features/772", "prov:usedEntity": "loan:fico_score/772"}, "_:id11": {"prov:generatedEntity": "ex:recommendation/772", "prov:usedEntity": "py:loan_features/772", "prov:activity": "ex:classify_loans/772"}, "_:id19": {"prov:generatedEntity": "loan:applications/772/decision", "prov:usedEntity": "ex:recommendation/772", "prov:activity": "ex:review_recommendation/772"}, "_:id20": {"prov:generatedEntity": "loan:applications/772/decision", "prov:usedEntity": "loan:applications/772", "prov:activity": "ex:review_recommendation/772"}, "_:id21": {"prov:generatedEntity": "loan:applications/772/decision", "prov:usedEntity": "loan:credit_history/772", "prov:activity": "ex:review_recommendation/772"}, "_:id22": {"prov:generatedEntity": "loan:applications/772/decision", "prov:usedEntity": "loan:fico_score/772", "prov:activity": "ex:review_recommendation/772"}, "_:id27": {"prov:generatedEntity": "loan:applications/772/decision", "prov:usedEntity": "loan:applications/772", "prov:activity": "ex:process_application/772"}}, "activity": {"ex:classify_loans/772": {"prov:startTime": "2026-10-08T12:49:14.025094", "prov:endTime": "2026-10-08T12:49:14.026208"}, "ex:review_recommendation/772": {"prov:type": [{"$": "ln:LoanAssessment", "type": "prov:QUALIFIED_NAME"}, {"$": "pl:HumanLedActivity", "type": "prov:QUALIFIED_NAME"}]}, "ex:process_application/772": {"prov:startTime": "2026-10-08T12:49:14.024675", "prov:endTime": "2026-10-08T12:49:14.026561", "prov:type": {"$": "ln:AssessingLoanApplication", "type": "prov:QUALIFIED_NAME"}}}, "used": {"_:id7": {"prov:activity": "ex:classify_loans/772", "prov:entity": "py:loan_features/772"}, "_:id12": {"prov:activity": "ex:review_recommendation/772", "prov:entity": "loan:applications/772"}, "_:id13": {"prov:activity": "ex:review_recommendation/772", "prov:entity": "ex:recommendation/772"}, "_:id14": {"prov:activity": "ex:review_recommendation/772", "prov:entity": "loan:credit_history/772"}, "_:id15": {"prov:activity": "ex:review_recommendation/772", "prov:entity": "loan:fico_score/772"}, "_:id25": {"prov:activity": "ex:process_application/772", "prov:entity": "loan:applications/772"}}, "wasAssociatedWith": {"_:id8": {"prov:activity": "ex:classify_loans/772", "prov:agent": "ex:machine/950d29f79691", "prov:plan": "loan:pipeline/1"}, "_:id17": {"prov:activity": "ex:review_recommendation/772", "prov:agent": "loan:staff/112", "prov:plan": "loan:policy/loan_review/2019"}, "_:id24": {"prov:activity": "ex:process_application/772", "prov:agent": "loan:institution"}}, "actedOnBehalfOf": {"_:id9": {"prov:delegate": "ex:machine/950d29f79691", "prov:responsible": "loan:institution"}, "_:id16": {"prov:delegate": "loan:staff/112", "prov:responsible": "loan:institution"}}, "wasGeneratedBy": {"_:id10": {"prov:entity": "ex:recommendation/772", "prov:activity": "ex:classify_loans/772"}, "_:id18": {"prov:entity": "loan:applications/772/decision", "prov:activity": "ex:review_recommendation/772"}, "_:id26": {"prov:entity": "loan:applications/772/decision", "prov:activity": "ex:process_application/772"}}}