The Boston HDMA Data Set

Description

a cross-section from 1997-1998

number of observations : 2381

observation : individuals

country : United States

Usage

data(Hdma)

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.

References

Stock, James H. and Mark W. Watson (2003) Introduction to Econometrics, Addison-Wesley Educational Publishers, http://wps.aw.com/aw_stockwatsn_economtrcs_1, chapter 9.

See Also

Index.Source, Index.Economics, Index.Econometrics, Index.Observations