Description Usage Format Source
Cross-sectional data, mortgage applications made in 1990 in the greater Boston metropolitan area.
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A data frame with 2,925 rows and 39 variables:
Sequence number, unique identifier for observations
Indicator for application denied
Indicator for applicant race being black
Total monthly income of applicant (in dollars)
Credit history - consumer payments
Credit history - mortgage payments
Credit history - public records
Years employed in applicable line of work
Liquid assets (in thousands
Change in median value of property in a given tract, 1980-1990
Number of separate consumer credit lines on credit reports
Co-applicant?
Loan amount/Appraised value
Co-applicant is male?
Applicant is married?
Purchase price/Appraised value
Number of units in property purchased
Number of dependents claimed by applicant
Self-employed applicant
Number of commercial credit reports in loan file
Term of loan (months)
Private mortgage insurance (PMI) denied
Was there a co-signer for the application?
Unverifiable information
Number of times application was reviewed by underwriter
Years of education
Indicator for property in Suffolk County
Boarded-up value of tract (1 if > MSA median)
Not owner-occupied property
Type of property (1 if 2-4 families)
TBD
Applicant sex is male
Median tract income (1 if > MSA median)
Net worth
Applicant age (1 if > MSA median)
Minority population share in tract (1 if > 0.30)
Probability of unemployment by industry
Tract vacancy (1 if above MSA median)
Total monthly income of coapplicant (in dollars)
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