On this Picostat.com statistics page, you will find information about the Hmda data set which pertains to The Boston HMDA Data Set . The Hmda data set is found in the Ecdat R package. You can load the Hmda data set in R by issuing the following command at the console data("Hmda"). This will load the data into a variable called Hmda. If R says the Hmda data set is not found, you can try installing the package by issuing this command install.packages("Ecdat") and then attempt to reload the data. If you need to download R, you can go to the R project website. You can download a CSV (comma separated values) version of the Hmda R data set. The size of this file is about 202,832 bytes.

The Boston HMDA Data Set

Description

a cross-section from 1997-1998

number of observations : 2381 observation : individuals country : United States

In package version 0.2-9 and earlier this dataset was called Hdma.

Usage

data(Hmda)

Format

A dataframe containing :

dir

debt payments to total income ratio

hir

housing expenses to income ratio

lvr

ratio of size of loan to assessed value of property

ccs

consumer credit score from 1 to 6 (a low value being a good score)

mcs

mortgage credit score from 1 to 4 (a low value being a good score)

pbcr

public bad credit record ?

dmi

denied mortgage insurance ?

self

self employed ?

single

is the applicant single ?

uria

1989 Massachusetts unemployment rate in the applicant's industry

condominium

is unit a condominium ? (was called comdominiom in version 0.2-9 and earlier versions of the package)

black

is the applicant black ?

deny

mortgage application denied ?

Source

Federal Reserve Bank of Boston.

Munnell, Alicia H., Geoffrey M.B. Tootell, Lynne E. Browne and James McEneaney (1996) “Mortgage lending in Boston: Interpreting HMDA data”, American Economic Review, 25-53.

References

Stock, James H. and Mark W. Watson (2003) Introduction to Econometrics, Addison-Wesley Educational Publishers, chapter 9.

See Also

Index.Source, Index.Economics, Index.Econometrics, Index.Observations

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Dataset imported from https://www.r-project.org.