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Credit, collateral, and other risk management issues in recent years revealed a number of data, analytical, and technological changes that lenders need to make to restore long-term sustainability to their mortgage finance businesses. Business conditions in the US mortgage finance sector continue to challenge lenders to achieve new lending growth objectives while doing a better job of identifying and managing borrower credit, property collateral, and other risks during the loan origination process. CEB TowerGroup believes that the new lending volume, portfolio risk management, and profitability challenges that lenders currently face will continue for a number of years. Moreover, even as conditions improve institutional reforms both within and outside the lending institution will require transformation of current risk assessment practices.