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A new report from bank regulators shows that lenders are beginning to lower the principal balances due on home loans for some struggling borrowers, a practice known as a Loan Modification. Lenders are betting that by taking the hit now they can improve their chances of being repaid. Over the next few years banks and other lenders will be sorting through endless of loan modification applications. The approval rate of loan modifications in the second quarter of 2009 was 10%, which is a 7% jump from the first quarter, based on a Office of the Comptroller of the Currency Report.