Format
A dataframe containing :
- dir
- debt payments to total income ratio
- hir
- housing expenses to income ratio
- lvr
- ratio of size of loan to assessed value of property
- ccs
- consumer credit score from 1 to 6 (a low value being a good score)
- mcs
- mortgage credit score from 1 to 4 (a low value being a good score)
- pbcr
- public bad credit record ?
- dmi
- denied mortgage insurance ?
- self
- self employed ?
- single
- is the applicant single ?
- uria
- 1989 Massachusetts unemployment rate in the applicant's industry
- comdominiom
- is unit condominium ?
- black
- is the applicant black ?
- deny
- mortgage application denied ?
Source
Federal Reserve Bank of Boston. Munnell, Alicia H., Geoffrey M.B. Tootell, Lynne E. Browne and James McEneaney (1996) “Mortgage lending in Boston: Interpreting HDMA data”, American Economic Review, 25-53.