Data analytics models for loan treatment

A system for data analytics in loan treatment, the system comprising:

• an input configured to receive credit report information for a person associated with a loan, property information for a specific property associated with the loan, loan information for the loan, and real estate market information for a region including the property;
• and
• a processor configured to apply:
• a cluster model comprising an unsupervised machine-learned classifier configured to classifying a borrower of the loan and the specific property into one of a plurality of borrower-property clusters, each of the borrower-property clusters being a function of both the credit report information and the property information;
• a treatment model comprising a supervised machine-learned classifier configured to output a loan treatment recommendation for the borrower of the loan, the processor configured to apply the treatment model as a function of the one of the borrower-property clusters, the property information, the loan information, and the real estate market information, the loan treatment recommendation selected from a plurality of possible treatments as one of the possible treatments with a greater value over a period of time, the possible treatments including loan modification and short sale.