Correct use of "whom"

It is something in this sentence, which does not seem correct to me. Maybe the way I use whom?

We use 70% of the data to estimate the probability of default of the remaining 30% of the data. In addition, we use the model in Section 5 to generate the latent space of the clients to whom we estimated the probability of default. <

Answer

Your use is correct, though old fashioned.

To use whom correctly:
Say "to him, to her, to them". Use to whom.

To correctly switch to who:
Say "He is, she is, they are". Use who is.
Or, anytime you don't want to use the nearly archaic whom.

The problem you're seeing may be "clients TO whom". Judging from the rest of your sentence, it looks like you "estimated for" them, unless statistics related grammar requires the "to".