Hipotecas compradas

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 Regressão 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 Predição for Regressão TreeNet®.

Worksheet column Description
Valor do empréstimo The loan amount in whole dollars
Renda Anual The borrower's annual income in whole dollars
Proporção da renda The ratio of a borrower's debts to income
Proporção de front-end The ratio of mortgage payments to income
Proporção de back-end The ratio of debt payments to income
Número de mutuários The number of borrowers
Idade The borrower's age in years
Idade do comutuário The co-borrower's age in years
Porcentagem minoritária do terreno The Census tract's minority percentage
Renda do terreno The Census tract's median family income in whole dollars
Renda local The local area median income in whole dollars
Renda da área The area's median family income in whole dollars
Comprador de casa pela primeira vez Whether the borrower is a first-time home buyer: 1 = Yes or 0 = No
Código de ocupação The occupancy code: 1 = Principal residence or owner-occupied, 2 = Second home, or 3 = Investment property or rental
Autônomo Whether the borrower is self-employed: 1 = Yes or 2 = No
Raça do comutuário 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
Raça do comutuário 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
Finalidade do empréstimo The loan purpose: 1 = Purchase, 2 = Refinancing, 3 = Second mortgage, 4 = New construction, or 5 = Rehabilitation
Gênero The borrower's gender: 1 = Male, 2 = Female, or 3 = Information not provided
Número de unidades The number of units on the property: 1–4
Etnia The borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, or 3 = Information not provided
Raça do comutuário 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
Gênero do comutuário The co-borrower's gender: 1 = Male, 2 = Female, 3 = Information not provided, or 4 = No co-borrower
Raça 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
Etnia do comutuário The co-borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, 3 = Information not provided, or 4 = No co-borrower
Pontuação de crédito 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
Pontuação de crédito do comutuário 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
Raça 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
Raça do comutuário 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
Raça do comutuário 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
Tipo de propriedade 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
Distrito federal The name of the federal home loan bank district
Código estadual A code that represents the state where the property is located
Código da região A code that represents the county where the property is located
Área estatística baseada em núcleo 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

Download HipotecasCompradas.MTW

Download PrediçõesDasHipotecasCompradas.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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