i> ; & & 16 Aug 1998 16:46bibibbbibbbbbbbffffffbifbbbffbffbbbbbbiffbbbbbbbbbbbbbbbbbfbbfoccloanamtactionmsasuffolkracegenderappinctypurunitmarrieddepiedempiedyjobselfatotinccototinchexppricedotherliqereprgdlinlinesmortgconspubrechratobratfixadjtermaprdjpropjinssjinsongiftccosignunverBreviewnetwunemwBmin30Bbdmwmi30old0Bvr30Bsch0blackhispanBmaleBrejectapprove mortno"Bmortperfmortlat1mortlat2chistt1multit2loanprcthickt2whiteobwhte:=;=<===>=?=@=A=B=C=D=E=F=%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g?%9.0g@%9.0g@%9.0g@%9.0g @ =============================>>>>>>>> >> > >>>>>>>>>>occupancyjEDloan amt in thousandsEDtype of action takenEDmsa number of propertyED=1 if property in suffolk co.race of applicantsuffolk co.gender of applicantffolk co.applicant income, $1000s co.type of purchaser of loanco.number of units in property.=1 if applicant marriedrty.number of dependentsedrty.years employed in line of workyears at this jobline of workself-employment dummy of worktotal monthly income of workcoapp total monthly incomeorkpropose housing expensemeorkpurchase price expensemeorkother financing, $1000smeorkliquid assetsg, $1000smeorkno. of credit reportssmeorkcredit history meets guidelinesno. of credit lines on reportscredit history on mortgage paymcredit history on consumer stuf=1 if filed bankruptcymer stufhousing exp, % total incr stufother oblgs, % total inc stuffixed or adjustable rate? stufterm of loan in monthse? stufappraised valuemonthse? stuftype of propertyonthse? stufPMI soughtpertyonthse? stufPMI approvedrtyonthse? stufgift as down paymentse? stufis there a cosignerse? stufunverifiable inforse? stufnumber of times reviewed stufnet worthtimes reviewed stufunemployment rate by industryf=1 if minority pop. > 30%tryf=1 if boarded-up val > MSA med=1 if tract inc > MSA mediand=1 if applic age > MSA median=1 if tract vac rte > MSA med=1 if > 12 years schoolinged=1 if applicant blacklinged=1 if applicant Hispanicged=1 if applicant malenicged=1 if action == 3lenicged=1 if action == 1 or 2cgedno mortgage history 2cgedno late mort. paymentscgedone or two late paymentsged> 2 late paymentsymentsged=0 if accnts deliq. >= 60 days=1 if two or more units0 daysamt/priceor more units0 days=1 if rep > 2ore units0 days=1 if applicant whites0 daysobrat*awhitent whites0 daysY`HȶEDB BpA= A BCB33BL@A? 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