购买抵押

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® 回归.

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

Worksheet column Description
贷款金额 The loan amount in whole dollars
年收入 The borrower's annual income in whole dollars
收入比率 The ratio of a borrower's debts to income
前端比率 The ratio of mortgage payments to income
后端比率 The ratio of debt payments to income
借款人数量 The number of borrowers
年龄 The borrower's age in years
共同借款人年龄 The co-borrower's age in years
普查区少数族裔百分比 The Census tract's minority percentage
普查区收入 The Census tract's median family income in whole dollars
当地收入 The local area median income in whole dollars
地区收入 The area's median family income in whole dollars
首次购房者 Whether the borrower is a first-time home buyer: 1 = Yes or 0 = No
房屋居住代码 The occupancy code: 1 = Principal residence or owner-occupied, 2 = Second home, or 3 = Investment property or rental
自由职业者 Whether the borrower is self-employed: 1 = Yes or 2 = No
共同借款人种族 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
共同借款人种族 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
贷款用途 The loan purpose: 1 = Purchase, 2 = Refinancing, 3 = Second mortgage, 4 = New construction, or 5 = Rehabilitation
性别 The borrower's gender: 1 = Male, 2 = Female, or 3 = Information not provided
单元数 The number of units on the property: 1–4
种族划分 The borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, or 3 = Information not provided
共同借款人种族 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
共同借款人性别 The co-borrower's gender: 1 = Male, 2 = Female, 3 = Information not provided, or 4 = No co-borrower
种族 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
共同借款人族裔 The co-borrower's ethnicity: 1 = Hispanic or Latino, 2 = Not Hispanic or Latino, 3 = Information not provided, or 4 = No co-borrower
信用评分 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
共同借款人信用评分 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
种族 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
共同借款人种族 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
共同借款人种族 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
房产类型 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
联邦区 The name of the federal home loan bank district
州代码 A code that represents the state where the property is located
县代码 A code that represents the county where the property is located
基于核心的统计区域 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

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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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