{"summary":{"n":239,"top2":88,"test_n":125,"test_top2":41,"test_audit_top2":59,"lt150_test_n":69,"lt150_test_top2":1},"states":["AL","AR","CA","CO","DC","FL","GA","IL","IN","KS","KY","LA","MA","MD","ME","MI","MN","MO","MS","MT","NC","NH","NJ","NV","NY","OH","OK","OR","PA","PR","SC","SD","TN","TX","UT","VA","VT","WA","WI","WV","WY"],"total":151,"page":1,"limit":20,"cases":[{"loannumber":"9377978610","borrower":"KREMKOV INDUSTRIES LLC","defendant":"Kremkov Industries LLC","state":"GA","city":"Douglasville","amount":9554425.0,"date":"03/26/2021","lender":"JPMorgan Chase Bank, National Association","status":"Charged","title":"Marietta man charged in massive PPP fraud scheme","release_date":"1652443200","url":"https://www.justice.gov/usao-ndga/pr/marietta-man-charged-massive-ppp-fraud-scheme","split":"test","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"7590797009","borrower":"ASLAN INTERNATIONAL MINISTRY, INC.","defendant":"Aslan International Ministry, Inc.","state":"FL","city":"ORLANDO","amount":8417200.0,"date":"04/07/2020","lender":"BayFirst National Bank","status":"Indicted","title":"Canadian Father And Son Indicted For Fraudulently Obtaining Over $8 Million In COVID-19 Relief Funds ","release_date":"1671105600","url":"https://www.justice.gov/usao-mdfl/pr/canadian-father-and-son-indicted-fraudulently-obtaining-over-8-million-covid-19-relief","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"9213937203","borrower":"COMPLETE HOME CARE LLC","defendant":"Complete Home Care, LLC","state":"MA","city":"Revere","amount":2500000.0,"date":"04/28/2020","lender":"Northeast Bank","status":"Arrested","title":"Florida Man Arrested for $2.5 Million COVID-Relief Fraud","release_date":"1654689600","url":"https://www.justice.gov/usao-ma/pr/florida-man-arrested-25-million-covid-relief-fraud","split":"tune","app_top_share":0.02946,"app_percentile":97.1,"audit_top_share":0.00086,"audit_percentile":99.9,"tier":"watch","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Round amount","why":"PPP amounts come from a payroll formula and normally end in odd dollars. An amount that is an exact multiple of $1,000 suggests the figure was typed in, not calculated. Seen in 12% of charged loans vs 5.2% of all PPP loans (2.4x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"7112797004","borrower":"TARGET ROOFING AND SHEET METAL, INC.","defendant":"Target Roofing and Sheet Metal, Inc.","state":"FL","city":"FORT MYERS","amount":2098700.0,"date":"04/07/2020","lender":"Sanibel Captiva Community Bank","status":"Indicted","title":"Fort Myers Business Owner Indicted For COVID Relief Fraud","release_date":"1600948800","url":"https://www.justice.gov/usao-mdfl/pr/fort-myers-business-owner-indicted-covid-relief-fraud","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"7426279007","borrower":"JAGUAR LOGISTICS LLC","defendant":"Jaguar Logistics, LLC","state":"OH","city":"Reynoldsburg","amount":980833.0,"date":"05/25/2021","lender":"Economic and Community Development Institute","status":"Charged","title":"2 Central Ohio women charged federally for $2.8 million in covid-relief fraud","release_date":"1693396800","url":"https://www.justice.gov/usao-sdoh/pr/2-central-ohio-women-charged-federally-28-million-covid-relief-fraud","split":"test","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"5260048208","borrower":"ADA AUTO GROUP","defendant":"ADA Auto Group LLC","state":"FL","city":"BOCA RATON","amount":953800.0,"date":"08/07/2020","lender":"BankVista","status":"Pleaded/found guilty","title":"Woman Pleads Guilty for $43.8 Million COVID-19 Relief Fraud Scheme","release_date":"1649246400","url":"https://www.justice.gov/archives/opa/pr/woman-pleads-guilty-438-million-covid-19-relief-fraud-scheme","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"1396438001","borrower":"JUST US CONSTRUCTION INC","defendant":"Just Us Construction","state":"PA","city":"Philadelphia","amount":937500.0,"date":"06/22/2020","lender":"Fulton Bank, National Association","status":"Charged","title":"Philadelphia Man Charged With Stealing Nearly $1 Million in PPP Funds","release_date":"1623758400","url":"https://www.justice.gov/usao-edpa/pr/philadelphia-man-charged-stealing-nearly-1-million-ppp-funds","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"7071928005","borrower":"INFINITE EDUCATION SERVICES INC.","defendant":"Infinite Education Services Inc.","state":"GA","city":"Decatur","amount":854805.0,"date":"06/30/2020","lender":"CDC Small Business Finance Corporation","status":"Charged","title":"Twenty-two defendants charged in connection with alleged $11.1 million Paycheck Protection Program fraud scheme","release_date":"1626955200","url":"https://www.justice.gov/usao-ndga/pr/twenty-two-defendants-charged-connection-alleged-111-million-paycheck-protection","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"5443118306","borrower":"CMT ROOFING LLC","defendant":"CMT Roofing LLC","state":"MO","city":"Saint Louis","amount":833333.0,"date":"01/25/2021","lender":"Regions Bank","status":"Sentenced","title":"Contractor Who Committed $1.7 Million in Pandemic Fraud Sentenced to 3 Years in Prison","release_date":"1771934400","url":"https://www.justice.gov/usao-edmo/pr/contractor-who-committed-17-million-pandemic-fraud-sentenced-3-years-prison","split":"test","app_top_share":0.05117,"app_percentile":94.9,"audit_top_share":0.08344,"audit_percentile":91.7,"tier":"low","top2":false,"audit_top2":false,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"2 different borrowers at this address","why":"At least one other borrower with a different name used the same street address and ZIP. Seen in 28% of charged loans vs 22.5% of all PPP loans (1.3x).","scored":true}]},{"loannumber":"5912528903","borrower":"OFFERWORKS INC","defendant":"Offerworks Inc.","state":"UT","city":"Salt Lake Cty","amount":628307.0,"date":"05/01/2021","lender":"U.S. Bank, National Association","status":"Sentenced","title":"Utah Businessman Sentenced to Prison for Defrauding the COVID-19 Paycheck Protection Program Out of Over $628,000 ","release_date":"1750852800","url":"https://www.justice.gov/usao-ut/pr/utah-businessman-sentenced-prison-defrauding-covid-19-paycheck-protection-program-out","split":"test","app_top_share":0.05117,"app_percentile":94.9,"audit_top_share":0.00216,"audit_percentile":99.8,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"2 different borrowers at this address","why":"At least one other borrower with a different name used the same street address and ZIP. Seen in 28% of charged loans vs 22.5% of all PPP loans (1.3x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"4422657108","borrower":"BNL TECHNICAL SERVICES, LLC","defendant":"BNL Technical Services, LLC","state":"WA","city":"Richland","amount":493865.0,"date":"04/13/2020","lender":"FirstBank","status":"Pleaded/found guilty","title":"Hanford Site Subcontractor Pleads Guilty to Stealing COVID-19 Relief Funding, Owner Agrees to Pay $1.1 Million in Restitution and Penalties ","release_date":"1729598400","url":"https://www.justice.gov/usao-edwa/pr/hanford-site-subcontractor-pleads-guilty-stealing-covid-19-relief-funding-owner-agrees","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.13842,"audit_percentile":86.2,"tier":"low","top2":false,"audit_top2":false,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true}]},{"loannumber":"1336237209","borrower":"SPENGLER PLUMBING CO. INC.","defendant":"Spengler Plumbing Company","state":"IL","city":"O FALLON","amount":487095.0,"date":"04/15/2020","lender":"U.S. Bank, National Association","status":"Pleaded/found guilty","title":"O'Fallon Man Pleads Guilty to PPP Loan Fraud","release_date":"1619697600","url":"https://www.justice.gov/usao-sdil/pr/ofallon-man-pleads-guilty-ppp-loan-fraud","split":"test","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"5916308109","borrower":"WILDWEST TRUCKING LLC","defendant":"WildWest Trucking LLC","state":"OK","city":"ALTUS","amount":420800.0,"date":"07/20/2020","lender":"BankVista","status":"Pleaded/found guilty","title":"Woman Pleads Guilty for $43.8 Million COVID-19 Relief Fraud Scheme","release_date":"1649246400","url":"https://www.justice.gov/archives/opa/pr/woman-pleads-guilty-438-million-covid-19-relief-fraud-scheme","split":"tune","app_top_share":0.05117,"app_percentile":94.9,"audit_top_share":0.00216,"audit_percentile":99.8,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"2 different borrowers at this address","why":"At least one other borrower with a different name used the same street address and ZIP. Seen in 28% of charged loans vs 22.5% of all PPP loans (1.3x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"9490078308","borrower":"GRANDVIEW HOTEL LLC","defendant":"Grandview Hotel, LLC","state":"MO","city":"Kansas City","amount":420000.0,"date":"01/30/2021","lender":"BayFirst National Bank","status":"Indicted","title":"Former Overland Park Man Indicted for $800,000 COVID Fraud Scheme","release_date":"1682596800","url":"https://www.justice.gov/usao-wdmo/pr/former-overland-park-man-indicted-800000-covid-fraud-scheme","split":"test","app_top_share":0.02131,"app_percentile":97.9,"audit_top_share":0.00064,"audit_percentile":99.9,"tier":"watch","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Round amount","why":"PPP amounts come from a payroll formula and normally end in odd dollars. An amount that is an exact multiple of $1,000 suggests the figure was typed in, not calculated. Seen in 12% of charged loans vs 5.2% of all PPP loans (2.4x).","scored":true},{"text":"2 different borrowers at this address","why":"At least one other borrower with a different name used the same street address and ZIP. Seen in 28% of charged loans vs 22.5% of all PPP loans (1.3x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"6791428001","borrower":"NIGHT OWL CLEANING INC.","defendant":"Night Owl Cleaning, Inc.","state":"VT","city":"WINOOSKI","amount":416093.22,"date":"06/30/2020","lender":"North Country FCU","status":"Pleaded/found guilty","title":"Dennis Duffy Pleads Not Guilty to CARES Act, American Express Frauds","release_date":"1628510400","url":"https://www.justice.gov/usao-vt/pr/dennis-duffy-pleads-not-guilty-cares-act-american-express-frauds","split":"test","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"3677427803","borrower":"KLEARLY KRISTEN INC","defendant":"Klearly Kristen Inc.","state":"TX","city":"Stafford","amount":405340.0,"date":"05/26/2020","lender":"Hope Enterprise Corporation","status":"Indicted","title":"Local business owner indicted for fraudulently submitting PPP loan","release_date":"1712577600","url":"https://www.justice.gov/usao-sdtx/pr/local-business-owner-indicted-fraudulently-submitting-ppp-loan","split":"test","app_top_share":0.05117,"app_percentile":94.9,"audit_top_share":0.08344,"audit_percentile":91.7,"tier":"low","top2":false,"audit_top2":false,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"3 different borrowers at this address","why":"At least one other borrower with a different name used the same street address and ZIP. Seen in 28% of charged loans vs 22.5% of all PPP loans (1.3x).","scored":true},{"text":"In the Texas business registry since 2016-07-01 (context)","why":"An entity with this exact name (Inc/LLC ignored) is on file with Texas from before the PPP cutoff.","scored":false}]},{"loannumber":"4179068005","borrower":"GRANDVIEW HOTEL LLC","defendant":"Grandview Hotel, LLC","state":"MO","city":"KANSAS CITY","amount":384100.0,"date":"06/25/2020","lender":"BayFirst National Bank","status":"Indicted","title":"Former Overland Park Man Indicted for $800,000 COVID Fraud Scheme","release_date":"1682596800","url":"https://www.justice.gov/usao-wdmo/pr/former-overland-park-man-indicted-800000-covid-fraud-scheme","split":"test","app_top_share":0.03221,"app_percentile":96.8,"audit_top_share":0.00108,"audit_percentile":99.9,"tier":"watch","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Business age left blank","why":"The application did not say how old the business is. Seen in 9% of charged loans vs 4.6% of all PPP loans (2.0x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"1978187808","borrower":"RENOVATED MONTANA PROPERTIES LLP","defendant":"Renovated Montana Properties LLP","state":"MT","city":"HELENA","amount":349000.0,"date":"05/22/2020","lender":"Glacier Bank","status":"Sentenced","title":"East Helena Man Sentenced to Prison for Bank Fraud in Covid-19 Relief Scheme","release_date":"1654776000","url":"https://www.justice.gov/usao-mt/pr/east-helena-man-sentenced-prison-bank-fraud-covid-19-relief-scheme","split":"test","app_top_share":0.02946,"app_percentile":97.1,"audit_top_share":0.00086,"audit_percentile":99.9,"tier":"watch","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Round amount","why":"PPP amounts come from a payroll formula and normally end in odd dollars. An amount that is an exact multiple of $1,000 suggests the figure was typed in, not calculated. Seen in 12% of charged loans vs 5.2% of all PPP loans (2.4x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"1863138408","borrower":"UNIMENTORS LLC","defendant":"Unimentors LLC","state":"MO","city":"Saint Louis","amount":325275.0,"date":"02/02/2021","lender":"Northeast Bank","status":"Sentenced","title":"Slovakian Man Sentenced for $738,000 Pandemic Loan Fraud","release_date":"1738843200","url":"https://www.justice.gov/usao-edmo/pr/slovakian-man-sentenced-738000-pandemic-loan-fraud","split":"test","app_top_share":0.05117,"app_percentile":94.9,"audit_top_share":0.08344,"audit_percentile":91.7,"tier":"low","top2":false,"audit_top2":false,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"2 different borrowers at this address","why":"At least one other borrower with a different name used the same street address and ZIP. Seen in 28% of charged loans vs 22.5% of all PPP loans (1.3x).","scored":true}]},{"loannumber":"9388517807","borrower":"HANDY HANDS SERVICES LLC","defendant":"Handy Hands Services LLC","state":"MO","city":"KANSAS CITY","amount":324900.0,"date":"06/08/2020","lender":"The Central Trust Bank","status":"Indicted","title":"Three Defendants Indicted for $447,000 COVID-19 Fraud","release_date":"1770206400","url":"https://www.justice.gov/usao-wdmo/pr/three-defendants-indicted-447000-covid-19-fraud","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.13842,"audit_percentile":86.2,"tier":"low","top2":false,"audit_top2":false,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true}]}]}