Pick a variable that you believe will be an important explanatory variable for loan defaults and explain why.

loan_amnt	The listed amount of the loan applied for by the borrower in thousands.
loan_term	Length of term for the loan in years.
int_rate	Interest Rate on the loan.
fico	The borrower's FICO score.
dti	A ratio calculated using the borrowers total monthly debt payments on the total debt obligations, excluding mortgage and the requested loan, divided by the borrowers self-reported monthly income.
annual_income	The borrower's annual income in thousands.
income_verification	Indicator variable 1 if borrower's reported income has been verified by lender.
home_mortgage	Indicator variable 1 if borrower has mortgage on their home, else 0.
home_own	Indicator variable 1 if borrower has owns their home, else 0.
home_rent	Indicator variable 1 if borrower rent their home, else 0.
debt_consolidation	Indicator variable 1 if the borrower's stated purpose for the loan is debt consolidation.
coborrower	Indicator variable 1 if the loan has a coborrower.
num_accounts	The number of open credit lines in the borrower's credit file.
revol_bal	The borrower's total credit revolving balance.
revol_util	Revolving line utilization rate, or the amount of credit the borrower is using relative to all available revolving credit.
derogatory_records	Indicator variable 1 if the borrower's has derogatory marks in their public record.