mortgage: Mortgage data set

In liver: Toolkit and Datasets for Data Science

Mortgage data set

Description

The mortgage dataset contains 850 records and 8 variables. The target variable is risk, a factor with two levels, "low" and "high". The remaining seven variables serve as predictors. The dataset was simulated to represent a realistic mortgage application setting.

Usage

data(mortgage)

Format

A data frame with 850 rows (applicants) and 8 variables:

• age: Age in years.

• income: Annual income.

• savings: Total savings.

• employment_status: A factor with levels "permanent", "temporary", "self_employed", and "unemployed".

• credit_history: A factor with levels "poor", "average", and "good".

• debt_level: A factor with levels "low", "medium", and "high".

• loan_amount: Requested loan amount.

• risk: A factor with levels "low" and "high".

Details

The dataset was generated using a hybrid latent simulation approach. Continuous variables were simulated with dependence, and categorical variables were derived from latent scores to create realistic relationships among applicant characteristics, financial indicators, and mortgage risk.

Source

Simulated data generated for illustration and teaching purposes.

References

Reza Mohammadi (2025). Data Science Foundations and Machine Learning with R: From Data to Decisions. https://book-data-science-r.netlify.app.

See Also

bank, churn_mlc, churn, churn_tel, adult, cereal, advertising, marketing, drug, house, house_price, red_wines, white_wines, insurance, caravan, fertilizer, corona

Examples

data(mortgage)
str(mortgage)

liver documentation built on April 7, 2026, 9:07 a.m.