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Here’s how predicting housing cycles improves mortgage lending 

For lenders, having reliable data-driven predictions is essential for a range of decisioning: determining reliable loan-to-value (LTV) thresholds; examining risk at origination; understanding at-risk portions of a portfolio for acquisition or loss-mitigation purposes; improving servicing strategies in situations of default, REO or short sale; and understanding and identifying suitable loan modification options to avoid additional risk for troubled homeowners.