The Standard deviation is calculated for each numerical variable in a data set. See definition here

Shapley explanations are a technique with credible theoretical support that presents consistent global and local variable contributions. Local numeric Shapley values are calculated by tracing single rows of data through a trained tree ensemble and...

Swap-out is a previously accepted loan which with the newly develop model and/or setting will be denied. SInce the swap-out previously was accepted is an actual label available.

Swap-in is a previously denied loan which with the newly developed model and/or settings will be accepted. Since the swap-in previously was declined there is no actual label available.