hdma: Processed version of Boston HDMA data.

Description Usage Format Source

Description

Cross-sectional data, mortgage applications made in 1990 in the greater Boston metropolitan area.

Usage

1

Format

A data frame with 2,925 rows and 39 variables:

seq

Sequence number, unique identifier for observations

deny

Indicator for application denied

black

Indicator for applicant race being black

wage

Total monthly income of applicant (in dollars)

chist

Credit history - consumer payments

mhist

Credit history - mortgage payments

phist

Credit history - public records

emp

Years employed in applicable line of work

assets

Liquid assets (in thousands

chval

Change in median value of property in a given tract, 1980-1990

clines

Number of separate consumer credit lines on credit reports

coap

Co-applicant?

lr

Loan amount/Appraised value

male_coap

Co-applicant is male?

married

Applicant is married?

pr

Purchase price/Appraised value

s20

Number of units in property purchased

s24a

Number of dependents claimed by applicant

s27a

Self-employed applicant

s39

Number of commercial credit reports in loan file

s48

Term of loan (months)

s53

Private mortgage insurance (PMI) denied

s55

Was there a co-signer for the application?

s56

Unverifiable information

s57

Number of times application was reviewed by underwriter

school

Years of education

suff

Indicator for property in Suffolk County

bd

Boarded-up value of tract (1 if > MSA median)

dnotown

Not owner-occupied property

dprop

Type of property (1 if 2-4 families)

dr

TBD

male

Applicant sex is male

mi

Median tract income (1 if > MSA median)

netw

Net worth

old

Applicant age (1 if > MSA median)

rtdum

Minority population share in tract (1 if > 0.30)

uria

Probability of unemployment by industry

vr

Tract vacancy (1 if above MSA median)

wage_coap

Total monthly income of coapplicant (in dollars)

Source

https://wps.pearsoned.com/aw_stock_ie_3/178/45691/11696965.cw/index.html


iangow/lmwr documentation built on Dec. 20, 2021, 5:58 p.m.