Hdma                  package:Ecdat                  R Documentation

_T_h_e _B_o_s_t_o_n _H_D_M_A _D_a_t_a _S_e_t

_D_e_s_c_r_i_p_t_i_o_n:

     a cross-section from 1997-1998

     _number of observations_ :  2381

     _observation_ :  individuals

     _country_ :  United States

_U_s_a_g_e:

     data(Hdma)

_F_o_r_m_a_t:

     A dataframe containing :

     _d_i_r debt payments to total income ratio

     _h_i_r housing expenses to income ratio

     _l_v_r ratio of size of loan to assessed value of property

     _c_c_s consumer credit score from 1 to 6 (a low value being a good
          score) 

     _m_c_s mortgage credit score from 1 to 4 (a low value being a good
          score) 

     _p_b_c_r public bad credit record ? a factor 

     _d_m_i denied mortgage insurance ? a factor

     _s_e_l_f self employed ? a factor

     _s_i_n_g_l_e is the applicant  single ? a factor

     _u_r_i_a 1989 Massachusetts unemployment rate in the applicant's
          industry

     _c_o_m_d_o_m_i_n_i_o_m is  unit  condominium ? a factor

     _b_l_a_c_k is the applicant black ? a factor

     _d_e_n_y mortgage application denied ? a factor

_S_o_u_r_c_e:

     Federal Reserve Bank of Boston.

     Munnell , Alicia H. ,  Geoffrey M.B.   Tootell,  Lynne E.   Browne
     and  James  McEneaney (1996) "Mortgage lending in Boston:
     Interpreting HDMA data", _American Economic Review _, 25-53.

_R_e_f_e_r_e_n_c_e_s:

     Stock, James H.  and  Mark W.  Watson (2003) _Introduction to
     Econometrics_, Addison-Wesley Educational Publishers, <URL:
     http://wps.aw.com/aw_stockwatsn_economtrcs_1>.

_S_e_e _A_l_s_o:

     'Index.Books', 'Index.Economics', 'Index.Econometrics',
     'Index.Observations'

