a cross-section from 1997-1998
number of observations : 2381 observation : individuals country : United States
In package version 0.2-9 and earlier this dataset was called Hdma.
A dataframe containing :
debt payments to total income ratio
housing expenses to income ratio
ratio of size of loan to assessed value of property
consumer credit score from 1 to 6 (a low value being a good score)
mortgage credit score from 1 to 4 (a low value being a good score)
public bad credit record ?
denied mortgage insurance ?
self employed ?
is the applicant single ?
1989 Massachusetts unemployment rate in the applicant's industry
is unit a condominium ? (was called comdominiom in version 0.2-9 and earlier versions of the package)
is the applicant black ?
mortgage application denied ?
Federal Reserve Bank of Boston.
Munnell, Alicia H., Geoffrey M.B. Tootell, Lynne E. Browne and James McEneaney (1996) “Mortgage lending in Boston: Interpreting HMDA data”, American Economic Review, 25-53.
Stock, James H. and Mark W. Watson (2003) Introduction to Econometrics, Addison-Wesley Educational Publishers, chapter 9.
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