Data used to estimate impact of state corruption on credit worthiness: year state sfindex - Simon Fraser index of state economic freedom statetax - State income tax totaltax - Effective total state tax burden closings - Business closings startups - Business startups pop - State population arrests - convictions for public corruption bgascore - State government corruption index unemp - unemployment rate govtemp - total government employment gsp - gross state product totexp - total government outlays highways - total outlays on highway construction perstax - personal tax receipts corptax - corporate tax receipts proptax - property tax receipts salestax - sales tax fueltax - fuel tax interest - interest paid on debt debt - total debt level percapdebt - per capita debt level govtrev - total government revenue balforward - balance forward from previous fiscal year revenues - total government revenues (all sources including federal) expenses - total government expenses (including medicare/medicaid) nettrans - net transfer to state snpnum - S&P rating moodynum - Moody's rating fitchnum - Fitch rating allgovt - Total number of governments in the state citygvt - Total number of city governments in the state munigvt - Total number of municipal governments in the state township - Total number of township governments in the state schooldist - Total number of school districts in the state specdist - Total number of special districts in the state totalint - Total interest paid on mortgages feescharges - Fees charged for mortgages effectrate - Effective rate for mortgages maturity - Average maturity for mortgages purprice - Average purchase price for homes ltv - Average loan-to-value ration ltvless70 - Percent of mortgages where LTV<70 ltv70to80 - Percent of mortgages where 7090 arms - Percent of mortgages that are adjustable rate mortgages numloans - Total number of loans granted