= 1 if mortgage application denied
montly debt to income ratio
= 1 if black
montly housing expenses to income ratio
loan to property value ratio
consumer credit score
mortgage credit score
= 1 if any public record of credit problems
denied mortgage insurance
= 1 if self-employed
= 1 if single
= 1 if high school graduated
industry unemployment rate
= 1 if condominium
medium loan to property value ratio [.80, .95]
high loan to property value ratio > .95