Full Audit Trail — Application #22
1. Original Application
Applicant
Testing 4
Age
39
Income
€496.00
Loan Amount
€697,008.00
Credit Score
450
Employment
Unemployed
Submitted
11 May 2026, 18:48
2. Data Transformations
Field Old Value New Value Type
income 496 496 type_conversion
age 39 39 type_conversion
credit_score 450 450 type_conversion
employment_status unemployed 2 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
REJECTED
Confidence
97.1%
5. SHAP Feature Importance
age -0.014994
employment_status -0.042115
loan_amount -0.110099
credit_score -0.186602
income -0.232618

Positive scores push toward APPROVED. Negative scores push toward REJECTED.