Other Lending Trends

Xử lý dữ liệu có khả năng mở rộng trong R

Simon Urbanek

Member of R-Core, Lead Inventive Scientist, AT&T Labs Research

In this lesson ...

  • City vs rural
  • Federally guaranteed loans vs. income
Xử lý dữ liệu có khả năng mở rộng trong R

City vs. Rural

  • City means a home is in a metropolitan area, otherwise rural

  • In the mortgage data set, city has msa value of 1, 0 otherwise

  • For a more precise definition see FHFA website

Xử lý dữ liệu có khả năng mở rộng trong R

Federally Guaranteed Loans and Borrower Income

  • Federally guaranteed loans protect the company issuing a loan
  • If a lender can issue a federally guaranteed loan, then the lender is less worried about the loan defaulting as the government will buy the loan
  • We'll use Borrower Income Ratio: borrower income divided by median income of people in the area
Xử lý dữ liệu có khả năng mở rộng trong R

Let's practice!

Xử lý dữ liệu có khả năng mở rộng trong R

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