Dataset: HDMA Washington State Home Loans, 2016

About this Dataset

HDMA Washington State Home Loans, 2016

Context

The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose information about mortgages. These public data are important because they help show whether lenders are serving the housing needs of their communities; they give public officials information that helps them make decisions and policies; and they shed light on lending patterns that could be discriminatory.

Content

Inside this data set contains 466,566 observations of Washington State home loans - variables include; demographic information, area specific data, loan status, property type, loan type, loan purpose and originating agency.

Acknowledgements

This data set was compiled by the Consumer Finance Protection Bureau using their automatic filtering for Washington State.

Inspiration

Looking at home loans in Washington State are there any current trends?
What are the significant factors that go into loan approval decisions?
Are there any area, demographic or gender bias?
Can I build a MLA to predict loan decisions?

Tables

Washington State Hdma 2016

@kaggle.miker400_washington_state_home_mortgage_hdma2016.washington_state_hdma_2016

10.66 MB
466566 rows
47 columns


CREATE TABLE washington_state_hdma_2016 (
  "tract_to_msamd_income" DOUBLE,
  "rate_spread" DOUBLE,
  "population" DOUBLE,
  "minority_population" DOUBLE,
  "number_of_owner_occupied_units" DOUBLE,
  "number_of_1_to_4_family_units" DOUBLE,
  "loan_amount_000s" BIGINT,
  "hud_median_family_income" DOUBLE,
  "applicant_income_000s" DOUBLE,
  "state_name" VARCHAR,
  "state_abbr" VARCHAR,
  "sequence_number" BIGINT,
  "respondent_id" VARCHAR,
  "purchaser_type_name" VARCHAR,
  "property_type_name" VARCHAR,
  "preapproval_name" VARCHAR,
  "owner_occupancy_name" VARCHAR,
  "msamd_name" VARCHAR,
  "loan_type_name" VARCHAR,
  "loan_purpose_name" VARCHAR,
  "lien_status_name" VARCHAR,
  "hoepa_status_name" VARCHAR,
  "edit_status_name" VARCHAR,
  "denial_reason_name_3" VARCHAR,
  "denial_reason_name_2" VARCHAR,
  "denial_reason_name_1" VARCHAR,
  "county_name" VARCHAR,
  "co_applicant_sex_name" VARCHAR,
  "co_applicant_race_name_5" VARCHAR,
  "co_applicant_race_name_4" VARCHAR,
  "co_applicant_race_name_3" VARCHAR,
  "co_applicant_race_name_2" VARCHAR,
  "co_applicant_race_name_1" VARCHAR,
  "co_applicant_ethnicity_name" VARCHAR,
  "census_tract_number" DOUBLE,
  "as_of_year" BIGINT,
  "application_date_indicator" BIGINT,
  "applicant_sex_name" VARCHAR,
  "applicant_race_name_5" VARCHAR,
  "applicant_race_name_4" VARCHAR,
  "applicant_race_name_3" VARCHAR,
  "applicant_race_name_2" VARCHAR,
  "applicant_race_name_1" VARCHAR,
  "applicant_ethnicity_name" VARCHAR,
  "agency_name" VARCHAR,
  "agency_abbr" VARCHAR,
  "action_taken_name" VARCHAR
);