住宅ローンの購入

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® 回帰.

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

Worksheet column Description
貸付金額 The loan amount in whole dollars
年収 The borrower's annual income in whole dollars
所得率 The ratio of a borrower's debts to income
フロントエンド比率 The ratio of mortgage payments to income
バックエンド比率 The ratio of debt payments to income
借主数 The number of borrowers
年齢 The borrower's age in years
共同借主の年齢 The co-borrower's age in years
土地における少数派の割合 The Census tract's minority percentage
土地収入 The Census tract's median family income in whole dollars
地域収入 The local area median income in whole dollars
地区収入 The area's median family income in whole dollars
初めての家屋購入者 Whether the borrower is a first-time home buyer: 1 = Yes or 0 = No
占有コード The occupancy code: 1 = Principal residence or owner-occupied, 2 = Second home, or 3 = Investment property or rental
デルフ雇用 Whether the borrower is self-employed: 1 = Yes or 2 = No
共同借主の人種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
共同借主の人種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
貸付目的 The loan purpose: 1 = Purchase, 2 = Refinancing, 3 = Second mortgage, 4 = New construction, or 5 = Rehabilitation
性別 The borrower's gender: 1 = Male, 2 = Female, or 3 = Information not provided
ユニット数 The number of units on the property: 1–4
民族 The borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, or 3 = Information not provided
共同借主の人種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
共同借主の性別 The co-borrower's gender: 1 = Male, 2 = Female, 3 = Information not provided, or 4 = No co-borrower
人種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
共同借主の民族性 The co-borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, 3 = Information not provided, or 4 = No co-borrower
クレジットスコア 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
共同借り手クレジットスコア 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
人種 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
共同借主の人種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
共同借主の人種 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
物件の種類 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
連邦管区 The name of the federal home loan bank district
州コード A code that represents the state where the property is located
郡コード A code that represents the county where the property is located
コアベースの統計領域 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

ダウンロード 住宅ローンの購入.MTW

ダウンロード 購入済み住宅ローンの予測.MTW

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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