Full Audit Trail — Application #38
1. Original Application
Applicant
Celestine Miller
Age
23
Income
€109,885.00
Loan Amount
€77,752.00
Credit Score
498
Employment
Retired
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 109885 109885 type_conversion
age 23 23 type_conversion
credit_score 498 498 type_conversion
employment_status retired 3 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
APPROVED
Confidence
56.4%
5. SHAP Feature Importance
income +0.184656
employment_status -0.008230
age -0.031456
loan_amount -0.081234
credit_score -0.114595

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