Full Audit Trail — Application #40
1. Original Application
Applicant
Orrin McCullough MD
Age
32
Income
€11,309.00
Loan Amount
€44,414.00
Credit Score
465
Employment
Employed
Submitted
11 May 2026, 20:06
2. Data Transformations
Field Old Value New Value Type
income 11309 11309 type_conversion
age 32 32 type_conversion
credit_score 465 465 type_conversion
employment_status employed 0 normalization
3. Model Used
Version
rf-v1
Algorithm
RandomForest
Status
active
4. Prediction Result
REJECTED
Confidence
86.9%
5. SHAP Feature Importance
loan_amount +0.034298
employment_status +0.010999
age -0.022387
credit_score -0.223071
income -0.283953

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