Table 8: Logit estimates off perhaps the application for the loan becomes funded
| Odds Percentages () | Odds Rates () | |
| Home business Dummy | 1.969*** | step 1.796*** |
| Small company Dummy: t-analytics | [] | [] |
| Number Expected | 0.955*** | 0.957*** |
| Number Requested: t-analytics ($1,000’s) | [-] | [-] |
| State-house Rates Directory | 1.348*** | 1.318*** |
| State house Rates Directory (one year slowdown, 1=100): t-analytics | [] | [] |
| Fico Get | 1.018*** | step one.017*** |
| Fico Rating: t-analytics | [] | [] |
| Working less than 1 year | 0.035*** | 0.028*** |
| Employed lower than one year: t-analytics | [-] | [-] |
| App seasons (2007 is actually omitted):2008 | 0.504*** | |
| App season (2007 was excluded):2008 :t-statistics | [-] | |
| Application 12 months (2007 are excluded):2009 | 0.430*** | |
| Software season (2007 try excluded):2009: t-analytics | [-] | |
| Software seasons (2007 are omitted):2010* | 0.803*** | |
| Software 12 months (2007 is actually omitted):2010*: t-analytics | [-4.52] | |
| Software 12 months (2007 try omitted):2011 | step 1.272*** | step 1.610*** |
| Software year (2007 are omitted):2011: t-analytics | [cuatro.99] | [] |
| Software season (2007 is actually excluded):2012 | dos.574*** | 3.249*** |
| App 12 months (2007 try omitted): 2012: t-statistics | [] | [] |
| Ongoing | 0.100*** | 0.000*** |
| Constant: t-statistics | [-] | [-] |
| Pseudo R2 | 0.415 | 0.445 |
| N | 766,761 | 683,599 |
Note: t-statistics during the supports. *** ways relevance at step 1% level; ** ways relevance from the 5% level; and * ways significance at the 10% peak. Software out-of prior to 2010 do not totally identify all business funds.
Dining table 9: Regression results for rate of interest paid back on financing
| Linear Reg | |
| Small business Dummy | 0.893*** |
| Business Dummy: t-analytics | [] |
| Number Questioned ($step one,000’s) | 0.141*** |
| Amount Asked ($step one,000’s): t-statistics | [] |
| Treasury Speed | -0.152*** |
| Treasury Rate: t-statistics | [-dos.68] |
| Fico Rating | -0.088*** |
| Fico Rating : t-analytics | [-] |
| Annual Income ($step 1,000’s) | 0.000 |
| Yearly Income ($step one,000’s): t-analytics | [0.60] |
| County Population (1 year lag, inside the step 1,000’s) | -0.one hundred thousand |
| Condition Inhabitants (12 months lag, for the step 1,000’s): t-statistics | [-0.00] |
| Condition Each Capita Money (one year lag, from inside the $1,000’s) | -0.000 |
| Condition Per Capita Earnings (one year slowdown, from inside the $step one,000’s) : t-statistics | [-0.84] |
| Homeowner | -0.118*** |
| Resident: t-statistics | [-seven.86] |
| County Home Rates Index (one year meters. avg lag, 1=100) | -0.075* |
| Condition Home Rates List (1 year m. avg lag, 1=100): t-statistics | [-step 1.70] |
| Loan Size (0 try 36 months, step 1 was sixty months) | step three.630*** |
| Mortgage Size (0 is actually three years, step 1 try sixty days): t-statistics | [] |
| Functioning lower than 12 months | 0.101*** |
| Functioning lower than 12 months: t-analytics | [cuatro.38] |
| App year (2007 is excluded) 2008 | 0.552*** |
| Application season (2007 is excluded) 2008: t-analytics | [step 3.53] |
| Application seasons (2007 was omitted) 2009 | 2.110*** |
| Software season (2007 try excluded) 2009: t-analytics | [9.70] |
| Application seasons (2007 try excluded) 2010 | 0.417* |
| Application season (2007 are excluded) 2010: t-statistics | [1.86] |
| App 12 months (2007 was omitted) 2011 | 0.292 |
| Application 12 months (2007 is omitted) 2011: t-analytics | [step one.27] |
| Software season (2007 try omitted) 2012 | 0.942*** |
| Software seasons (2007 was excluded) 2012:t-statistics | [cuatro.10] |
| Constant | *** |
| Constant: t-statistics | [] |
| Adjusted R2 | 0.769 |
| N | 84,342 |
Note: t-statistics in the brackets. *** indicates relevance in the 1% level; ** ways value on 5% level; and * indicates significance during the ten% height. State repaired outcomes utilized in quote.
