Full Audit Trail — Application #39
1. Original Application
Applicant
Bernadette King DDS
Age
57
Income
€88,584.00
Loan Amount
€88,442.00
Credit Score
445
Employment
Self-employed
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 88584 88584 type_conversion
age 57 57 type_conversion
credit_score 445 445 type_conversion
employment_status self-employed 1 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
REJECTED
Confidence
64.9%
5. SHAP Feature Importance
income +0.053856
age +0.044184
employment_status +0.013435
loan_amount -0.164132
credit_score -0.211388

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