LOANAPP.DES

occ       loanamt   action    msa       suffolk   appinc    typur     unit
married   dep       emp       yjob      self      atotinc   cototinc  hexp     
price     other     liq       rep       gdlin     lines     mortg     cons     
pubrec    hrat      obrat     fixadj    term      apr       prop      inss     
inson     gift      cosign    unver     review    netw      unem      min30    
bd        mi        old       vr        sch       black     hispan    male     
reject    approve   mortno    mortperf  mortlat1  mortlat2  chist     multi    
loanprc   thick     white

  Obs:   1989                         

  1. occ                              occupancy
  2. loanamt                          loan amt in thousands
  3. action                           type of action taken
  4. msa                              msa number of property
  5. suffolk                          =1 if property in suffolk co.
  6. appinc                           applicant income, $1000s
  7. typur                            type of purchaser of loan
  8. unit                             number of units in property
  9. married                          =1 if applicant married
 10. dep                              number of dependents
 11. emp                              years employed in line of work
 12. yjob                             years at this job
 13. self                             =1 if self employed
 14. atotinc                          total monthly income
 15. cototinc                         coapp total monthly income
 16. hexp                             propose housing expense
 17. price                            purchase price
 18. other                            other financing, $1000s
 19. liq                              liquid assets
 20. rep                              no. of credit reports
 21. gdlin                            credit history meets guidelines
 22. lines                            no. of credit lines on reports
 23. mortg                            credit history on mortgage paym
 24. cons                             credit history on consumer stuf
 25. pubrec                           =1 if filed bankruptcy
 26. hrat                             housing exp, % total inc
 27. obrat                            other oblgs,  % total inc
 28. fixadj                           fixed or adjustable rate?
 29. term                             term of loan in months
 30. apr                              appraised value
 31. prop                             type of property
 32. inss                             PMI sought
 33. inson                            PMI approved
 34. gift                             gift as down payment
 35. cosign                           is there a cosigner
 36. unver                            unverifiable info
 37. review                           number of times reviewed
 38. netw                             net worth
 39. unem                             unemployment rate by industry
 40. min30                            =1 if minority pop. > 30%
 41. bd                               =1 if boarded-up val > MSA med
 42. mi                               =1 if tract inc > MSA median
 43. old                              =1 if applic age > MSA median
 44. vr                               =1 if tract vac rte > MSA med
 45. sch                              =1 if > 12 years schooling
 46. black                            =1 if applicant black
 47. hispan                           =1 if applicant Hispanic
 48. male                             =1 if applicant male
 49. reject                           =1 if action == 3
 50. approve                          =1 if action == 1 or 2
 51. mortno                           no mortgage history
 52. mortperf                         no late mort. payments
 53. mortlat1                         one or two late payments
 54. mortlat2                         > 2 late payments
 55. chist                            =0 if accnts deliq. >= 60 days
 56. multi                            =1 if two or more units
 57. loanprc                          amt/price
 58. thick                            =1 if rep > 2
 59. white                            =1 if applicant white
