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| Hdma   | R Documentation   |
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The Boston HDMA Data Set
------------------------

Description
~~~~~~~~~~~

a cross-section from 1997-1998

*number of observations* : 2381

*observation* : individuals

*country* : United States

Usage
~~~~~

::

    data(Hdma)

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

comdominiom
    is unit condominium ?

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 HDMA data”,
*American Economic Review*, 25-53.

References
~~~~~~~~~~

Stock, James H. and Mark W. Watson (2003) *Introduction to
Econometrics*, Addison-Wesley Educational Publishers,
`http://wps.aw.com/aw\_stockwatsn\_economtrcs\_1 <http://wps.aw.com/aw_stockwatsn_economtrcs_1>`_,
chapter 9.

See Also
~~~~~~~~

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