occupancy
loan amt in thousands
type of action taken
msa number of property
=1 if property in suffolk co.
applicant income, $1000s
type of purchaser of loan
number of units in property
=1 if applicant married
number of dependents
years employed in line of work
years at this job
=1 if self employed
total monthly income
coapp total monthly income
propose housing expense
purchase price
other financing, $1000s
liquid assets
no. of credit reports
credit history meets guidelines
no. of credit lines on reports
credit history on mortgage paym
credit history on consumer stuf
=1 if filed bankruptcy
housing exp, % total inc
other oblgs,  % total inc
fixed or adjustable rate?
term of loan in months
appraised value
type of property
PMI sought
PMI approved
gift as down payment
is there a cosigner
unverifiable info
number of times reviewed
net worth
unemployment rate by industry
=1 if minority pop. > 30%
=1 if boarded-up val > MSA med
=1 if tract inc > MSA median
=1 if applic age > MSA median
=1 if tract vac rte > MSA med
=1 if > 12 years schooling
=1 if applicant black
=1 if applicant Hispanic
=1 if applicant male
=1 if action == 3
=1 if action == 1 or 2
no mortgage history
no late mort. payments
one or two late payments
> 2 late payments
=0 if accnts deliq. >= 60 days
=1 if two or more units
amt/price
=1 if rep > 2
=1 if applicant white