EXHEART: A Fairness-Aware Explainable Stacked Ensemble for Cardiovascular Disease Classification with Cross-Instrument Disparity Attribution

Background: Machine learning models trained on population health surveys offer scalable tools for cardiovascular screening, but recurring methodological weaknesses undermine their credibility and equity: data leakage from synthetic oversampling, qualitative rather than quantitative explainability evaluation, and the absence of demographic fairness auditing at the clinical operating threshold. Methods: We present EXHEART, a leakage-free stacked ensemble pipeline trained on BRFSS 2015 (n = 253,680) and validated on BRFSS 2020 (n = 319,795; temporal transport and retrain) and a clinical cardiovascular examination dataset (n = 68,730). The pipeline combines XGBoost, LightGBM, Random Forest, and a multi-layer perceptron as base learners with 5-fold out-of-fold logistic regression stacking and Platt scaling calibration. A quantitative SHAP-LIME consistency framework, based on Kendall-tau rank correlation and Jaccard overlap, accompanies a decision-curve analysis, a subgroup-stratified SHAP interaction analysis, and an intersectional fairness audit (Sex x Age x Income) with threshold-shifting mitigation and a frontier of the fairness-utility trade-off. The framework also adds cross-instrument fairness-disparity attribution, an empirical diagnostic that provides evidence on whether an observed subgroup disparity is more consistent with a measurement-induced or a substantive explanation by re-validating it on a dataset that measures the same clinical construct objectively. On heart disease, this diagnostic associates 89% of the sex TPR gap (95% CI [0.65, 0.99]) with the self-reported survey outcome rather than with a substantive risk difference. Results: On BRFSS 2015, EXHEART achieves AUC-ROC = 0.850, AUPRC = 0.371, Brier score = 0.071, and reduces ECE by 96% (0.256 to 0.011) via Platt scaling. Global SHAP-LIME rank agreement is moderate-to-strong (Kendall-tau = 0.580, Spearman-rho = 0.818) with a substantial top-3 divergence (Jaccard@3 = 0.200), where Stroke flips from SHAP rank 8 to LIME rank 1. The Sex TPR gap is 0.124 at the screening threshold; intersectional Sex x Age disparities reach 0.649 among adequately-powered cells, 5.2x the single-attribute gap. Temporal transport to BRFSS 2020 collapses sensitivity from 0.776 to 0.267, while retraining restores AUC = 0.840 and ECE = 0.012. On clinical examination data, the Sex TPR gap collapses to 0.014; the attribution test indicates this gap is instrument-dependent, consistent with a measurement or outcome-definition explanation rather than a substantive risk difference. Cross-domain SHAP analysis identifies four instrument-independent CVD risk factors and two major portability failures. Conclusions: EXHEART combines three practices that population-scale cardiovascular classifiers usually apply in isolation: leakage-free training with calibrated probabilities, a test of whether the model's explanations are stable, and a fairness audit that examines intersecting subgroups rather than single attributes. Bringing them together proved worthwhile. The intersectional audit revealed disparities that single-attribute auditing missed, and the cross-instrument comparison indicated that much of the sex gap reflects how the outcome is measured in survey data rather than a substantive difference in risk. The temporal transport findings indicate that deployed BRFSS models warrant periodic monitoring and retraining to maintain clinical utility. EXHEART is a retrospective methodological evaluation on public de-identified data; it is not validated for direct clinical decision-making, diagnosis, or treatment recommendation without prospective clinical validation.