Notes: Dots show the relative threat ratio of the 99th percentile observation to your very first percentile; pubs show the newest interquartile diversity; chances ratios that will be lower than step 1 is actually ugly (a) Guess out of model leaving out new SEIFA variable

Appendix B : Complete Efficiency

Appendix B : Full Efficiency

installment loan Utah

Situated varying:	Entered 90+ go out arrears	Inserted ninety+ date arrears	Entered 90+ big date arrears	Joined ninety+ day arrears	Joined ninety+ time arrears	Complete fees
Sample:	All of the loans	Most of the fund	Non-exploration	Mining-launched	Negative security	All of the funds
Model:	Base	Excl SEIFA	Base	Base	Base	Base
Listed arranged LVR (feet = (60,70])
(0,30]	0.900* (0.045)	0.882* (0.045)	0.873* (0.050)	step one.068 (0.115)	n/an effective	0.834*** (0.008)
(30,40]	0.779*** (0.045)	0.769*** (0.045)	0.763*** (0.049)	0.854 (0.129)	n/a good	0.787*** (0.008)
(40,50]	0.827*** (0.035)	0.820*** (0.035)	0.813*** (0.037)	0.926 (0.104)	n/a good	0.830*** (0.006)
(fifty,60]	0.885*** (0.027)	0.881*** (0.027)	0.885*** (0.029)	0.906 (0.089)	n/a great	0.918*** (0.005)
(70,80]	step 1.142*** (0.023)	step 1.145*** (0.023)	step 1.167*** (0.025)	0.954 (0.065)	n/an effective	0.989 (0.005)
(80,90]	step 1.319*** (0.027)	step 1.322*** (0.027)	step 1.319*** (0.032)	step 1.153* (0.061)	n/a great	0.816*** (0.007)
(90,100]	1.494*** (0.036)	step one.485*** (0.036)	step 1.497*** (0.053)	step 1.295*** (0.067)	n/a beneficial	0.556*** (0.012)
(100,110]	step one.872*** (0.046)	step one.841*** (0.046)	step one.745** (0.141)	1.652*** (0.073)	Base	0.398*** (0.024)
(110,120]	dos.014*** (0.070)	step 1.963*** (0.070)	dos.233** (0.270)	1.737*** (0.093)	step one.019 (0.076)	0.410*** (0.048)
(120,150]	2.129*** (0.083)	dos.041*** (0.083)	2.074* (0.260)	step one.750*** (0.105)	step 1.006 (0.094)	0.605** (0.048)
(150,200]	dos.730*** (0.145)	2.623*** (0.145)	n/an effective	dos.530*** (0.161)	step 1.294 (0.160)	0.670* (0.098)
200+	3.299*** (0.201)	3.233*** (0.201)	n/a great	3.657*** (0.217)	step one.488* (0.230)	0.652* (0.177)
Totally new LVR (feet = (60,80])
(0,60]	step one.054 (0.028)	1.051 (0.028)	step 1.093* (0.032)	0.856* (0.062)	0.767 (0.216)	step one.087*** (0.005)
80+	1.286*** (0.019)	step 1.307*** (0.019)	1.312*** (0.023)	1.241*** (0.038)	1.415** (0.091)	step one.145*** (0.005)
Turnover ratio	1.014 (0.007)	1.020 (0.007)	step 1.030* (0.007)	0.934 (0.026)	step one.008 (0.040)	1.041*** (0.001)
Jobless price	1.075** (0.018)	step 1.207*** (0.018)	1.137 (0.042)	1.150** (0.034)	step 1.083 (0.073)	step one.061 (0.007)
Unemployment price^dos	0.998* (0.001)	0.994** (0.001)	0.992 (0.003)	0.996* (0.002)	step 1.000 (0.003)	0.996 (0.000)
Serviceability ratio (feet = (10,20])
(0,10]	0.605*** (0.030)	0.618*** (0.030)	0.586*** (0.036)	0.659*** (0.055)	0.550*** (0.112)	step 1.016* (0.005)
(20,30]	step 1.418*** (0.019)	1.400*** (0.019)	step 1.469*** (0.023)	step one.280*** (0.037)	step 1.150 (0.075)	step one.008 (0.004)
(29,40]	1.803*** (0.024)	step 1.768*** (0.024)	1.923*** (0.028)	step 1.497*** (0.048)	step one.367** (0.101)	0.988 (0.006)
40+	1.926*** (0.033)	step 1.883*** (0.033)	2.015*** (0.039)	1.731*** (0.064)	step one.550*** (0.145)	0.934*** (0.009)
Lagged change in rates (bps; feet = (dos,2])
Founded adjustable:	Registered property foreclosure	Entered foreclosures	Inserted property foreclosure	Inserted foreclosure	Inserted foreclosures	Healed	Complete repayment
Sample:	Every finance	Most of the fund	Non-mining	Mining-opened	Negative equity	Every money	All finance
Model:	Base	Excl SEIFA	Base	Base	Base	Base	Base
Indexed planned LVR (foot = (60,70])
(0,30]	0.783 (0.127)	0.785 (0.127)	0.691* (0.168)	0.941 (0.215)	n/a great	1.175*** (0.035)	1.130* (0.048)
(30,40]	0.761 (0.138)	0.758 (0.138)	0.554** (0.182)	step 1.367 (0.221)	n/a	step one.151*** (0.035)	step 1.024 (0.049)
(forty,50]	0.756* (0.118)	0.756* (0.118)	0.598** (0.149)	1.204 (0.201)	n/a beneficial	1.106** (0.031)	step one.095 (0.041)
(50,60]	0.902 (0.101)	0.901 (0.101)	0.882 (0.118)	0.921 (0.198)	n/a good	step one.101** (0.028)	step 1.000 (0.038)
(70,80]	1.170 (0.084)	1.171 (0.084)	step one.171 (0.103)	step one.198 (0.149)	n/a	1.001 (0.026)	0.922 (0.037)
(80,90]	step 1.688*** (0.085)	step 1.690*** (0.085)	1.850*** (0.112)	1.514** (0.143)	n/an excellent	0.967 (0.030)	0.818*** (0.044)
(ninety,100]	2.097*** (0.095)	dos.098*** (0.095)	dos.540*** (0.142)	1.772*** (0.147)	n/an effective	0.942 (0.040)	0.679*** (0.063)
(100,110]	dos.515*** (0.107)	2.509*** (0.107)	step three.919*** (0.196)	2.068*** (0.156)	n/a beneficial	0.807*** (0.054)	0.471*** (0.098)
(110,120]	step three.261*** (0.130)	3.248*** (0.130)	5.011*** (0.326)	2.698*** (0.174)	step one.321* (0.125)	0.831* (0.086)	0.687** (0.132)
(120,150]	step three.443*** (0.129)	step 3.404*** (0.129)	8.596*** (0.305)	dos.874*** (0.173)	step 1.582** (0.126)	0.818* (0.088)	0.581* (0.151)
(150,200]	cuatro.604*** (0.155)	4.535*** (0.155)	1.970 (1.011)	4.025*** (0.193)	step one.988*** (0.167)	0.434*** (0.178)	0.927 (0.201)
200+	seven.542*** (0.189)	seven.515*** (0.189)	n/an effective	5.380*** (0.231)	dos.795*** (0.209)	0.276*** (0.323)	step one.957*** (0.193)
Totally new LVR (feet = (sixty,80])
(0,60]	0.923 (0.083)	0.919 (0.083)	0.956 (0.123)	0.847 (0.116)	0.849 (0.258)	0.957 (0.025)	step 1.048 (0.034)
80+	step one.000 (0.052)	step 1.002 (0.051)	0.967 (0.078)	step one.045 (0.072)	0.988 (0.120)	0.945** (0.020)	step one.053 (0.028)
Return proportion	0.921*** (0.019)	0.924*** (0.019)	0.902** (0.031)	0.977 (0.042)	step 1.040 (0.047)	step one.007 (0.007)	step 1.074*** (0.010)
Jobless speed	step one.104 (0.050)	1.128* (0.048)	0.831 (0.142)	1.183* (0.076)	step 1.036 (0.124)	0.996 (0.019)	0.927* (0.032)
Unemployment rate^dos	0.998 (0.003)	0.997 (0.003)	1.015 (0.009)	0.994 (0.004)	step one.000 (0.006)	1.001 (0.001)	1.003 (0.002)
Serviceability proportion (base = (10,20])
(0,10]	1.172 (0.085)	step one.179 (0.085)	step one.317 (0.132)	step one.151 (0.112)	step 1.042 (0.184)	step 1.097* (0.036)	0.987 (0.051)
(20,30]	0.828* (0.065)	0.823* (0.065)	0.786* (0.096)	0.869 (0.090)	1.036 (0.140)	0.985 (0.023)	1.030 (0.033)
(29,40]	0.817 (0.089)	0.814* (0.089)	0.753* (0.128)	0.887 (0.127)	step 1.141 (0.192)	0.994 (0.031)	step 1.100* (0.043)
40+	0.891 (0.112)	0.881 (0.111)	0.969 (0.172)	0.912 (0.148)	1.178 (0.239)	0.988 (0.043)	0.962 (0.061)
Earnings