GekaufteHypotheken

A team of researchers wants to use data about a borrower and the location of a property to predict the amount of a mortgage. Variables include the income, race, and gender of the borrower as well as the census tract location of the property, and other information about the borrower and the type of property.

You can use this data to demonstrate TreeNet® Regression.

The second data set includes a small number of new data points for the same variables. You can use this data set to demonstrate Prognostizieren for TreeNet® Regression.

Worksheet column Description
Kreditbetrag The loan amount in whole dollars
Jahreseinkommen The borrower's annual income in whole dollars
Einkommensquote The ratio of a borrower's debts to income
Front-End-Verhältnis The ratio of mortgage payments to income
Back-End-Verhältnis The ratio of debt payments to income
Anzahl Kreditnehmer The number of borrowers
Alter The borrower's age in years
Alter Mit-Kreditnehmer The co-borrower's age in years
Prozent Minderheiten im Zählbezirk The Census tract's minority percentage
Einkommen Zählbezirk The Census tract's median family income in whole dollars
Lokales Einkommen The local area median income in whole dollars
Einkommen Bezirk The area's median family income in whole dollars
Immobilien-Erstkäufer Whether the borrower is a first-time home buyer: 1 = Yes or 0 = No
Belegungskode The occupancy code: 1 = Principal residence or owner-occupied, 2 = Second home, or 3 = Investment property or rental
Selbstständig Whether the borrower is self-employed: 1 = Yes or 2 = No
Ethnie 4 Mit-Kreditnehmer The co-borrower's fourth race or national origin: 1 = American Indian or Alaskan Native, 2 = Asian, 3 = Black or African American, 4 = Native Hawaiian or other Pacific Islander, 5 = White, 7 = Information not provided, or 8 = No co-borrower
Ethnie 5 Mit-Kreditnehmer The co-borrower's fifth race or national origin: 1 = American Indian or Alaskan Native, 2 = Asian, 3 = Black or African American, 4 = Native Hawaiian or other Pacific Islander, 5 = White, 7 = Information not provided, or 8 = No co-borrower
Kreditzweck The loan purpose: 1 = Purchase, 2 = Refinancing, 3 = Second mortgage, 4 = New construction, or 5 = Rehabilitation
Geschlecht The borrower's gender: 1 = Male, 2 = Female, or 3 = Information not provided
Anzahl Einheiten The number of units on the property: 1–4
Ethnizität The borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, or 3 = Information not provided
Ethnie 3 Mit-Kreditnehmer The co-borrower's third race or national origin: 1 = American Indian or Alaskan Native, 2 = Asian, 3 = Black or African American, 4 = Native Hawaiian or other Pacific Islander, 5 = White, 7 = Information not provided, or 8 = No co-borrower
Geschlecht Mit-Kreditnehmer The co-borrower's gender: 1 = Male, 2 = Female, 3 = Information not provided, or 4 = No co-borrower
Ethnie 2 The borrower's additional race or national origin: 1 = American Indian or Alaskan Native, 2 = Asian, 3 = Black or African American, 4 = Native Hawaiian or other Pacific Islander, 5 = White, or 7 = Information not provided
Ethnie Mit-Kreditnehmer The co-borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, 3 = Information not provided, or 4 = No co-borrower
Bonitätsnote The borrower's credit score categorized by range: 1 = less than 620, 2 = 620 to less than 660, 3 = 660 to less than 700, 4 = 700 to less than 760, 5 = 760 or greater, or 9 = missing
Bonitätsnote Mit-Kreditnehmer The co-borrower's credit score categorized by range: 1 = less than 620, 2 = 620 to less than 660, 3 = 660 to less than 700, 4 = 700 to less than 760, 5 = 760 or greater, or 9 = missing or no co-borrower
Ethnie The borrower's race or national origin: 1 = American Indian or Alaskan Native, 2 = Asian, 3 = Black or African American, 4 = Native Hawaiian or other Pacific Islander, 5 = White, or 7 = Information not provided
Ethnie 2 Mit-Kreditnehmer The co-borrower's second race or national origin: 1 = American Indian or Alaskan Native, 2 = Asian, 3 = Black or African American, 4 = Native Hawaiian or other Pacific Islander, 5 = White, 7 = Information not provided, or 8 = No co-borrower
Ethnie 1 Mit-Kreditnehmer The co-borrower's race or national origin: 1 = American Indian or Alaskan Native, 2 = Asian, 3 = Black or African American, 4 = Native Hawaiian or other Pacific Islander, 5 = White, 7 = Information not provided, or 8 = No co-borrower
Objekttyp The property type: 1 = Single family detached, 2 = De minimus planned unit development, 3 = Single family attached, 4 = Two family, 5 = Townhouse, 6 = Low-rise condominium, 7 = Planned unit development, 8 = Duplex, 9 = Three family, 10 = Four family, 11 = Hi-rise condominium, or 12 = Manufactured home
Bundesbezirk The name of the federal home loan bank district
Bundesstaat-Kode A code that represents the state where the property is located
Landkreiskode A code that represents the county where the property is located
Statistisches Kerngebiet A code that represents the state, county, and census tract where the property is located. A missing value represents a state, county, and tract combination that is not located in a core based statistical area

GekaufteHypotheken.MTW herunterladen

GekaufteHypothekenPrognosen.MTW herunterladen

Reference

These data were adapted based on a public data set containing information on federal home loan bank mortgages. Original data from fhfa.gov.

Durch Ihre Nutzung dieser Website stimmen Sie zu, dass Cookies verwendet werden. Cookies dienen zu Analysezwecken und zum Bereitstellen personalisierter Inhalte.  Lesen Sie unsere Richtlinien