Full Audit Trail — Application #36
1. Original Application
Applicant
Carolanne Orn
Age
18
Income
€139,430.00
Loan Amount
€69,658.00
Credit Score
403
Employment
Retired
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 139430 139430 type_conversion
age 18 18 type_conversion
credit_score 403 403 type_conversion
employment_status retired 3 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
REJECTED
Confidence
78.5%
5. SHAP Feature Importance
income +0.146184
employment_status -0.021369
age -0.048310
loan_amount -0.105808
credit_score -0.371013

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