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/816, [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/816, [ln:attr_loan_amnt="35000" %% xsd:float, ln:attr_term=" 36 months", ln:attr_emp_title="CEO", ln:attr_emp_length="10+ years", ln:attr_home_ownership="MORTGAGE", ln:attr_annual_inc="350000" %% xsd:float, ln:attr_purpose="home_improvement", ln:attr_title="Home improvement", ln:attr_zip_code="926xx", ln:attr_addr_state="CA", ln:attr_application_type="Joint App", prov:type='pl:Controlled', prov:type='ln:LoanApplication'])
  entity(loan:credit_history/816, [ln:attr_earliest_cr_line="Mar-2000", ln:attr_open_acc="7" %% xsd:float, ln:attr_pub_rec="0" %% xsd:float, ln:attr_revol_bal="36393" %% xsd:float, ln:attr_revol_util="37.2" %% xsd:float, ln:attr_mort_acc="2" %% xsd:float, ln:attr_pub_rec_bankruptcies="0" %% xsd:float, ln:created_at="2026-10-28T15:19:20.978118" %% xsd:dateTime, prov:type='ln:CreditReference'])
  entity(loan:fico_score/816, [prov:type='ln:FICOScore', ln:fico_range_low="670" %% xsd:float, ln:fico_range_high="674" %% xsd:float, ln:created_at="2026-10-28T11:35:01.372341" %% xsd:dateTime])
  entity(loan:pipeline/1, [prov:type='sk:pipeline.Pipeline'])
  entity(py:loan_features/816, [ln:attr_loan_amnt="35000" %% xsd:float, ln:attr_term="36" %% xsd:float, ln:attr_int_rate="26.31" %% xsd:float, ln:attr_installment="1415.96" %% xsd:float, ln:attr_emp_length="10" %% xsd:float, ln:attr_dti="4.17" %% xsd:float, ln:attr_earliest_cr_line="2000" %% xsd:float, ln:attr_open_acc="7" %% xsd:float, ln:attr_revol_util="37.2" %% xsd:float, ln:attr_total_acc="21" %% xsd:float, ln:attr_mort_acc="2" %% xsd:float, ln:attr_log_annual_inc="5.54407" %% xsd:float, ln:attr_fico_score="672" %% xsd:float, ln:attr_log_revol_bal="4.56103" %% xsd:float, ln:attr_sub_grade_E4="1" %% xsd:float, ln:attr_verification_status_Verified="1" %% xsd:float, ln:attr_purpose_home_improvement="1" %% xsd:float, ln:attr_addr_state_CA="1" %% xsd:float, ln:attr_application_type_Joint_App="1" %% xsd:float, prov:type='pd:Series'])
  entity(ex:recommendation/816, [prov:type='ln:AutomatedLoanRecommendation', ln:recommendation='ln:approved', ln:probability_chargeoff="0.439135" %% xsd:float])
  entity(loan:applications/816/decision, [prov:type='ln:HumanDecision', prov:type='ln:LoanDecision', ln:result='ln:rejected'])
  wasAttributedTo(loan:applications/816, loan:applicants/816)
  wasAttributedTo(loan:credit_history/816, loan:credit_agency)
  wasAttributedTo(loan:fico_score/816, loan:fico)
  wasAttributedTo(loan:applications/816/decision, loan:staff/112)
  wasDerivedFrom(py:loan_features/816, loan:applications/816, -, -, -)
  wasDerivedFrom(py:loan_features/816, loan:credit_history/816, -, -, -)
  wasDerivedFrom(py:loan_features/816, loan:fico_score/816, -, -, -)
  wasDerivedFrom(ex:recommendation/816, py:loan_features/816, ex:classify_loans/816, -, -)
  wasDerivedFrom(loan:applications/816/decision, ex:recommendation/816, ex:review_recommendation/816, -, -)
  wasDerivedFrom(loan:applications/816/decision, loan:applications/816, ex:review_recommendation/816, -, -)
  wasDerivedFrom(loan:applications/816/decision, loan:credit_history/816, ex:review_recommendation/816, -, -)
  wasDerivedFrom(loan:applications/816/decision, loan:fico_score/816, ex:review_recommendation/816, -, -)
  wasDerivedFrom(loan:applications/816/decision, loan:applications/816, ex:process_application/816, -, -)
  activity(ex:classify_loans/816, 2026-10-30T11:42:58.873290, 2026-10-30T11:42:58.874356)
  activity(ex:review_recommendation/816, -, -, [prov:type='ln:LoanAssessment', prov:type='pl:HumanLedActivity'])
  activity(ex:process_application/816, 2026-10-30T11:42:58.872890, 2026-10-30T11:42:58.874696, [prov:type='ln:AssessingLoanApplication'])
  used(ex:classify_loans/816, py:loan_features/816, -)
  used(ex:review_recommendation/816, loan:applications/816, -)
  used(ex:review_recommendation/816, ex:recommendation/816, -)
  used(ex:review_recommendation/816, loan:credit_history/816, -)
  used(ex:review_recommendation/816, loan:fico_score/816, -)
  used(ex:process_application/816, loan:applications/816, -)
  wasAssociatedWith(ex:classify_loans/816, ex:machine/950d29f79691, loan:pipeline/1)
  wasAssociatedWith(ex:review_recommendation/816, loan:staff/112, loan:policy/loan_review/2019)
  wasAssociatedWith(ex:process_application/816, loan:institution, -)
  actedOnBehalfOf(ex:machine/950d29f79691, loan:institution, -)
  actedOnBehalfOf(loan:staff/112, loan:institution, -)
  wasGeneratedBy(ex:recommendation/816, ex:classify_loans/816, -)
  wasGeneratedBy(loan:applications/816/decision, ex:review_recommendation/816, -)
  wasGeneratedBy(loan:applications/816/decision, ex:process_application/816, -)
endDocument