= 1 if payment late by 90+ days
= 1 if adjustable rate mortgage, 0 if fixed
= 1 if loan is for a refinance of any type, 0 if for purchase
= 1 if 2nd lien mortage, 0 if 1st lien
= 1 if 30 year mortgage, 0 if 15 year mortgage
= 1 if borrower estimated to owe more than property worth at time of obs., 0 oth
loan to value ratio of property at origination, percent
current interest rate on loan, percent
loan amount in $10,000 units
borrower's credit score at origination