name of dataset: loanapp
no of variables: 59
no of observations: 1989

+----------+---------------------------------+
| variable | label                           |
+----------+---------------------------------+
| occ      | occupancy                       |
| loanamt  | loan amt in thousands           |
| action   | type of action taken            |
| msa      | msa number of property          |
| suffolk  | =1 if property in suffolk co.   |
| appinc   | applicant income, $1000s        |
| typur    | type of purchaser of loan       |
| unit     | number of units in property     |
| married  | =1 if applicant married         |
| dep      | number of dependents            |
| emp      | years employed in line of work  |
| yjob     | years at this job               |
| self     | =1 if self employed             |
| atotinc  | total monthly income            |
| cototinc | coapp total monthly income      |
| hexp     | propose housing expense         |
| price    | purchase price                  |
| other    | other financing, $1000s         |
| liq      | liquid assets                   |
| rep      | no. of credit reports           |
| gdlin    | credit history meets guidelines |
| lines    | no. of credit lines on reports  |
| mortg    | credit history on mortgage paym |
| cons     | credit history on consumer stuf |
| pubrec   | =1 if filed bankruptcy          |
| hrat     | housing exp, % total inc        |
| obrat    | other oblgs,  % total inc       |
| fixadj   | fixed or adjustable rate?       |
| term     | term of loan in months          |
| apr      | appraised value                 |
| prop     | type of property                |
| inss     | PMI sought                      |
| inson    | PMI approved                    |
| gift     | gift as down payment            |
| cosign   | is there a cosigner             |
| unver    | unverifiable info               |
| review   | number of times reviewed        |
| netw     | net worth                       |
| unem     | unemployment rate by industry   |
| min30    | =1 if minority pop. > 30%       |
| bd       | =1 if boarded-up val > MSA med  |
| mi       | =1 if tract inc > MSA median    |
| old      | =1 if applic age > MSA median   |
| vr       | =1 if tract vac rte > MSA med   |
| sch      | =1 if > 12 years schooling      |
| black    | =1 if applicant black           |
| hispan   | =1 if applicant Hispanic        |
| male     | =1 if applicant male            |
| reject   | =1 if action == 3               |
| approve  | =1 if action == 1 or 2          |
| mortno   | no mortgage history             |
| mortperf | no late mort. payments          |
| mortlat1 | one or two late payments        |
| mortlat2 | > 2 late payments               |
| chist    | =0 if accnts deliq. >= 60 days  |
| multi    | =1 if two or more units         |
| loanprc  | amt/price                       |
| thick    | =1 if rep > 2                   |
| white    | =1 if applicant white           |
+----------+---------------------------------+

W.C. Hunter and M.B. Walker (1996), “The Cultural Affinity Hypothesis
and Mortgage Lending Decisions,” Journal of Real Estate Finance and
Economics 13, 57-70. Professor Walker kindly provided the data.