LOANAPP.DES occ loanamt action msa suffolk appinc typur unit married dep emp yjob self atotinc cototinc hexp price other liq rep gdlin lines mortg cons pubrec hrat obrat fixadj term apr prop inss inson gift cosign unver review netw unem min30 bd mi old vr sch black hispan male reject approve mortno mortperf mortlat1 mortlat2 chist multi loanprc thick white Obs: 1989 1. occ occupancy 2. loanamt loan amt in thousands 3. action type of action taken 4. msa msa number of property 5. suffolk =1 if property in suffolk co. 6. appinc applicant income, $1000s 7. typur type of purchaser of loan 8. unit number of units in property 9. married =1 if applicant married 10. dep number of dependents 11. emp years employed in line of work 12. yjob years at this job 13. self =1 if self employed 14. atotinc total monthly income 15. cototinc coapp total monthly income 16. hexp propose housing expense 17. price purchase price 18. other other financing, $1000s 19. liq liquid assets 20. rep no. of credit reports 21. gdlin credit history meets guidelines 22. lines no. of credit lines on reports 23. mortg credit history on mortgage paym 24. cons credit history on consumer stuf 25. pubrec =1 if filed bankruptcy 26. hrat housing exp, % total inc 27. obrat other oblgs, % total inc 28. fixadj fixed or adjustable rate? 29. term term of loan in months 30. apr appraised value 31. prop type of property 32. inss PMI sought 33. inson PMI approved 34. gift gift as down payment 35. cosign is there a cosigner 36. unver unverifiable info 37. review number of times reviewed 38. netw net worth 39. unem unemployment rate by industry 40. min30 =1 if minority pop. > 30% 41. bd =1 if boarded-up val > MSA med 42. mi =1 if tract inc > MSA median 43. old =1 if applic age > MSA median 44. vr =1 if tract vac rte > MSA med 45. sch =1 if > 12 years schooling 46. black =1 if applicant black 47. hispan =1 if applicant Hispanic 48. male =1 if applicant male 49. reject =1 if action == 3 50. approve =1 if action == 1 or 2 51. mortno no mortgage history 52. mortperf no late mort. payments 53. mortlat1 one or two late payments 54. mortlat2 > 2 late payments 55. chist =0 if accnts deliq. >= 60 days 56. multi =1 if two or more units 57. loanprc amt/price 58. thick =1 if rep > 2 59. white =1 if applicant white