R Dataset / Package Ecdat / Hmda

On this R-data 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 with the library() command. 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.

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