EmpruntsContractés

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 Regression TreeNet®.

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

Worksheet column Description
Montant du prêt The loan amount in whole dollars
Revenu annuel The borrower's annual income in whole dollars
Rapport de revenu The ratio of a borrower's debts to income
Rapport de frais de logement The ratio of mortgage payments to income
Rapport dette-revenu The ratio of debt payments to income
Nombre emprunteurs The number of borrowers
Age The borrower's age in years
Age du co-emprunteur The co-borrower's age in years
Pourcentage de minorités de la zone The Census tract's minority percentage
Revenu de la zone The Census tract's median family income in whole dollars
Revenu local The local area median income in whole dollars
Revenu du secteur The area's median family income in whole dollars
Primo-accédant à la propriété Whether the borrower is a first-time home buyer: 1 = Yes or 0 = No
Code occupation The occupancy code: 1 = Principal residence or owner-occupied, 2 = Second home, or 3 = Investment property or rental
Travailleur indépendant Whether the borrower is self-employed: 1 = Yes or 2 = No
Origine ethnique du co-emprunteur 4 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
Origine ethnique du co-emprunteur 5 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
Objet du prêt The loan purpose: 1 = Purchase, 2 = Refinancing, 3 = Second mortgage, 4 = New construction, or 5 = Rehabilitation
Sexe The borrower's gender: 1 = Male, 2 = Female, or 3 = Information not provided
Nombre de logements The number of units on the property: 1–4
Appartenance ethnique The borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, or 3 = Information not provided
Origine ethnique du co-emprunteur 3 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
Sexe du co-emprunteur The co-borrower's gender: 1 = Male, 2 = Female, 3 = Information not provided, or 4 = No co-borrower
Origine ethnique 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
Appartenance ethnique du co-emprunteur The co-borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, 3 = Information not provided, or 4 = No co-borrower
Cote de solvabilité 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
Cote de solvabilité du co-emprunteur 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
Origine ethnique 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
Origine ethnique du co-emprunteur 2 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
Origine ethnique du co-emprunteur 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
Type de bien 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
District fédéral The name of the federal home loan bank district
Code Etat A code that represents the state where the property is located
Code de comté A code that represents the county where the property is located
Zone statistique de base 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

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Reference

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

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