=1 if applicant married
number of dependents
=1 if filed bankruptcy
housing exp, % total income
other obligations, % total income
is there a cosigner
unemployment rate by industry
=1 if tract vacancy rate > MSA med
=1 if > 12 years schooling
=1 if applicant is male
=1 if application is approved
one or two late payments
> 2 late payments
=0 if accnts deliq. >= 60 days
ratio of mortgage amount/price
applicant is white