구입모기지

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® 회귀 분석.

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

Worksheet column Description
대출 금액 The loan amount in whole dollars
연간 소득 The borrower's annual income in whole dollars
소득 비율 The ratio of a borrower's debts to income
프런트 엔드 비율 The ratio of mortgage payments to income
백 엔드 비율 The ratio of debt payments to income
대출자 수 The number of borrowers
나이 The borrower's age in years
공동 대출자 나이 The co-borrower's age in years
소수자 비율 The Census tract's minority percentage
저소득 수입 The Census tract's median family income in whole dollars
지방 수입 The local area median income in whole dollars
지역 소득 The area's median family income in whole dollars
첫 주택 구매자 Whether the borrower is a first-time home buyer: 1 = Yes or 0 = No
점유 코드 The occupancy code: 1 = Principal residence or owner-occupied, 2 = Second home, or 3 = Investment property or rental
자영업 Whether the borrower is self-employed: 1 = Yes or 2 = No
공동 대출자 인종 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
공동 대출자 인종 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
대출 목적 The loan purpose: 1 = Purchase, 2 = Refinancing, 3 = Second mortgage, 4 = New construction, or 5 = Rehabilitation
성별 The borrower's gender: 1 = Male, 2 = Female, or 3 = Information not provided
단위 수 The number of units on the property: 1–4
민족 The borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, or 3 = Information not provided
공동 대출자 인종 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
공동 대출자 성별 The co-borrower's gender: 1 = Male, 2 = Female, 3 = Information not provided, or 4 = No co-borrower
인종 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
공동 대출자 민족 The co-borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, 3 = Information not provided, or 4 = No co-borrower
신용 점수 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
공동대출자신용점수 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
인종 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
공동 대출자 인종 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
공동 대출자 인종 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
자산 유형 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
연방 지구 The name of the federal home loan bank district
상태 코드 A code that represents the state where the property is located
카운티 코드 A code that represents the county where the property is located
대도시 중심 지역 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

다운로드 구입모기지.MTW

다운로드 구입모기지예측.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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