Variable

Estimate

Std. Error

z value

Pr (>|z|)

Intercept

3.35E+04

3.06E+03

10.97

<2e−16

emp_length

1.90E−02

3.25E−03

5.85

4.91E−09

purpose

3.14E−02

6.32E−03

4.961

7.02E−07

home_ownership

1.65E−01

1.28E−02

12.852

<2e−16

annual_inc

−5.83E−01

2.59E−02

−22.486

<2e−16

dti

2.15E−01

1.31E−02

16.412

<2e−16

inq_last_6mths

1.28E−01

1.14E−02

11.21

<2e−16

open_acc

1.38E−01

1.61E−02

8.556

<2e−16

revol_bal

−1.08E−01

2.17E−02

−5.001

5.70E−07

revol_util

1.01E−01

1.29E−02

7.792

6.58e−15

total_acc

−5.75E−02

1.65E−02

−3.481

5.00E−04

recoveries

1.35E+05

1.23E+04

10.971

<2e−16

loan_amnt

3.33E−01

1.47E−02

22.696

<2e−16

pub_rec

7.47E−02

1.16E−02

6.459

1.05E−10