Making Home Affordable

Program Performance Report through the Fourth Quarter 2017

PROGRAM PERFORMANCE REPORT 

THROUGH THE FOURTH QUARTER OF 2017
Nearly Three Million Homeowner Assistance Actions have taken place under 

Making Home Affordable (MHA) programs

2

MHA AT-A-GLANCE

1MP

PTD: 2.3M

2MP

PTD: 166K

HAFA

PTD: 476K

PROGRAM VOLUMES THROUGH THE FOURTH QUARTER OF 2017

The MHA Program closed to new applicants on December 31, 2016. As set forth in program 

guidelines, MHA servicers were required to evaluate applications submitted by the deadline 

and offer modifications to eligible applicants. Servicers were required to design policies and 

procedures to reasonably ensure that all MHA transactions were completed by December 1, 

2017. Data through the fourth quarter of 2017 represents cumulative MHA activity through 

the required completion date. However, MHA servicers may submit corrections to previously 

reported data on or before May 1, 2018. At that time, Treasury will update the relevant figures 

in this report to reflect any such corrections.

Although the MHA Program is now closed, servicers will continue to perform certain functions. 

This includes, for example, receiving and disbursing financial incentive payments, processing 

interest rate step-ups, and reporting MHA data to Treasury’s system of record. 

MHA First Lien Permanent Modifications Started 2,264,771 

HAMP Tier 1 1,473,195 

HAMP Tier 2 217,939 

Streamline HAMP 44,007 

GSE Standard Modifications (SAI) 380,465 

Treasury FHA and RD HAMP 149,165

2MP Modifications Started 166,415

HAFA Transactions Completed 476,348

UP Forbearance Plans Started 46,485

Cumulative Activity 2,954,019 

MHA Program Activity1,2
Making Home Affordable

Program Performance Report through the Fourth Quarter 2017

Note: For more information and quarterly updates about HHF, please visit the program website or the TARP Monthly Report 

to Congress. For information and quarterly updates about efforts taken by the Government Sponsored Enterprises (GSEs) 

beyond their participation in MHA which is not reflected in this report please visit the Federal Housing Finance Agency’s 

Foreclosure Prevention Report. For information on efforts undertaken by the Federal Housing Administration (FHA) please 

visit its website.

3

Table of Contents

PROGRAM UPDATES:

MHA Updates 2

HAMP PROGRAM RESULTS:

HAMP Summary 4

HAMP Application Outcomes 4

HAMP Modification Characteristics 5

HAMP Tier 1 Payment Adjustment Summary 6

Performance of Permanent HAMP Modifications 7-9

Homeowners with Disqualified Modifications 9

OTHER MHA PROGRAMS:

Post-Modification Counseling 10

Principal Reduction Alternative 11

2MP Program 12

HAFA Program 13

RESULTS BY SERVICER:

MHA Program Activity by Servicer and Investor

Servicer Performance 14

15

APPENDIX:

Program Notes A-1

Terms and Methodologies A-2

End Notes A-3

HAMP Activity by State A-4

HAMP Tier 1 Scheduled Interest Rate Increases by State A-5

HAMP Performance Data by Vintage A-6

HAMP Activity by MSA A-7
Making Home Affordable: HAMP Program Results

Program Performance Report through the Fourth Quarter 2017

HAMP Summary

Trial

Modifications

All Trials Started3 2,537,629 

Tier 1 2,239,631 

Tier 2 237,662 

Streamline HAMP 60,336 

Trial Modifications Cancelled* 801,225

Permanent 

Modifications

All Permanent Modifications Started 1,735,141

Active Permanent Modifications 875,215 

Permanent Modifications Paid-Off 197,278

Permanent Modifications Disqualified ** 648,037

4

* When Treasury launched HAMP in the spring of 2009, in an effort to provide assistance to struggling homeowners as soon as

possible, servicers were not required to verify a homeowner’s income prior to commencing a trial modification. This resulted in many

trials being cancelled if the homeowner could not ultimately provide the requisite documentation. Beginning in June 2010, servicers

were required to verify a homeowner’s income prior to offering trial modifications, which substantially reduced the number of trial

cancellations. A total of 673,920 trials started before June 2010 have been cancelled.

** Does not include 14,611 loans withdrawn.

While not all homeowners qualify for HAMP, many have found alternative solutions to their delinquency. For homeowners 

who were not approved for a HAMP trial modification, or for those whose HAMP trial modifications were cancelled:

• 58% received an alternative modification or resolved their delinquency.

• 23% were referred to foreclosure.

Outcome for Homeowners Who Did Not Receive a HAMP Modification

2%

1%

38%

20%

15%

1%

22%

Status of Homeowners Not Accepted for a HAMP Trial Modification or 

Those Whose HAMP Trial Modification was Cancelled

Action Pending

Action Not Allowed – Bankruptcy in Process 

Borrower Current / Loan Payoff

Alternative Modification / Payment Plan

Short Sale / Deed-in-Lieu

Foreclosure Starts

Foreclosure Completions

Source: Survey data from large servicers4
Making Home Affordable: HAMP Program Results

Program Performance Report through the Fourth Quarter 2017

Select HAMP Modification Characteristics*

5

Aggregate payment savings to homeowners who received HAMP first lien permanent modifications are estimated at 

nearly $55 billion program-to-date, compared with unmodified mortgage obligations. 

HAMP modifications follow a series of waterfall steps that include capitalization, interest rate adjustment, term 

extension, and principal forbearance/forgiveness.

HAMP has two evaluation tiers, as well as a streamlined modification process introduced in January 2016:

• Under HAMP Tier 1, servicers apply the modification steps in sequence until the homeowner’s post-modification 

front-end debt-to-income (DTI) ratio is 31%. The impact of each modification step can vary to achieve the target of 

31%. 

• Under HAMP Tier 2, servicers apply the modification steps simultaneously to achieve a post-modification DTI that 

falls within an allowable range (subject to investor restrictions). HAMP Tier 2 applies to non-GSE mortgages only.

• Under Streamline HAMP, seriously delinquent homeowners who have not been able to complete a HAMP 

application may be eligible to receive mortgage assistance through a combination of modification steps similar to 

HAMP Tier 2. Unlike Tier 1 and Tier 2, Streamline HAMP does not require that borrowers document their income.

Select Median Permanent Modification Characteristics 

Loan 

Characteristic

Before 

Modification

After 

Modification

Median 

Decrease

Front-End Debt-to-Income Ratio

Tier 1 43.7% 31.0% -13.4 pct pts

Tier 2 28.3% 21.3% -6.7 pct pts

Combined 42.6% 31.0% -12.1 pct pts

Back-End Debt-to-Income Ratio

Tier 1 66.9% 50.0% -13.7 pct pts

Tier 2 44.9% 37.3% -6.7 pct pts

Combined 64.1% 48.1% -12.4 pct pts

Monthly Housing Payment**

Tier 1 $1,378.22 $811.44 ($497.44)

Tier 2 $1,032.86 $663.45 ($334.32)

Streamline $898.64 $556.15 ($315.09)

All $1,325.44 $788.36 ($465.90)

Modification Steps for Permanent Modifications

Modification Step Tier 1 Tier 2 Streamline All

Interest Rate 

Reduction 95.7% 70.5% 81.5% 92.2%

Term Extension 60.5% 88.5% 98.7% 65.0%

Principal 

Forbearance 31.4% 30.8% 24.3% 31.2%

All permanent modifications reflect some combination of 

the following modification steps:

Of the HAMP Tier 2 trial modifications started:

• 30% were previously in another HAMP trial or 

permanent modification.

• 10% were previously evaluated for HAMP and did 

not meet eligibility requirements.

• 6% were non-owner-occupied properties. 

Characteristic Tier 1 Tier 2 Streamline All

Median 

Monthly Gross 

Income

$3,913 $4,993 N/A $4,020 

Median Credit 

Score 566 561 586 565

Median 

Property Value $178,500 $160,000 $156,800 $175,000 

Additional HAMP Tier 2 Characteristics

Homeowner Characteristics

*HAMP modification characteristics reflect data at the date

of modification. 

**Excludes the impact of any interest rate increases and reamortization of capitalized homeowner incentives which

may begin to occur after the fifth year of the HAMP 

Tier 1 modification.
Making Home Affordable: HAMP Program Results

Program Performance Report through the Fourth Quarter 2017

HAMP Tier 1 Payment Adjustment Summary 

* As of December 2017. Assumes no future re-defaults of HAMP Tier 1 modifications. 

0

50,000

100,000

150,000

200,000

250,000

300,000

350,000

400,000

450,000

500,000

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

Number of Loans

Number of Interest Rate Increases by Year*

First Increase Second Increase Third Increase Fourth Increase

6 See Appendix 5 for additional information on HAMP Tier 1 interest rate increases by state.

The HAMP Tier 1 modification was designed to reduce a homeowner’s monthly mortgage payment to an affordable level, 

approximately 36% of the median before-modification payment. 

Under HAMP Tier 1, servicers apply a uniform loan modification waterfall to achieve a monthly mortgage payment of 31% 

DTI: capitalization, principal forgiveness (optional), interest rate reduction, term extension, principal forbearance. The 

interest rate is reduced in increments to achieve the target 31% DTI with an interest rate floor of 2%. After five years, the 

interest rate may begin to increase 1% per year (or less) until the Primary Mortgage Market Survey (PMMS) rate at time of 

modification is reached (PMMS averaged 5.04% in 2009 and 3.65% in 2016), at which time the interest rate will be fixed 

for the remaining loan term.

HAMP Tier 1 Interest Rate Increases 

• Approximately 80% of HAMP Tier 1 homeowners will experience an interest rate increase after five years.

o The majority of HAMP homeowners will experience two to three interest rate increases.

o The median amount of the first monthly payment increase is $93, and the median monthly payment increase 

after the final interest rate increase is $208.

• Through December 2017, more than 550,000 homeowners have experienced one interest rate step-up, and 

approximately 427,000 have experienced a second rate step-up. 

o Based on reported data, the rate increase does not appear to have an impact on the performance of these 

modifications. The percentage of modifications disqualifying in the month following the reset remains consistent 

with the months leading up to the reset, at less than or equal to 1%. 

• To help mitigate the impact of interest rate step-ups, servicers can offer borrowers the opportunity to recast their 

HAMP modifications upon reaching their sixth-year anniversary. To date, nearly 68,000 loans have been recast, 

approximately 90% of which experienced an interest rate step-up. Monthly payments for recast loans have been 

reduced by a median of $56.
Making Home Affordable: HAMP Program Results

Program Performance Report through the Fourth Quarter 2017

Performance of HAMP Permanent Modifications 

HAMP Tier 1

# Months Post 

Modification 

% of Disqualified HAMP Tier 1 Modifications5

2009 2010 2011 2012 2013 2014 2015 2016 2017 ALL Q1 Q2 Q3 Q4

3 2.1% 1.7% 1.2% 1.0% 0.8% 1.2% 1.3% 1.3% 1.2% 1.5% 1.6% 2.2% 1.3%

6 6.7% 6.8% 5.3% 4.3% 3.8% 4.7% 5.3% 5.6% 4.6% 7.0% 7.3% 5.5%

12 16.3% 15.6% 12.7% 10.3% 9.5% 10.7% 11.8% 12.9% 11.2% 13.1%

18 22.9% 22.7% 18.9% 15.3% 14.0% 15.3% 17.1% 18.7% 19.2%

24 28.8% 28.1% 23.8% 19.1% 17.3% 18.8% 21.1% 23.5% 23.9%

30 33.3% 32.6% 27.3% 22.1% 19.9% 21.8% 24.3% 27.7%

36 37.5% 36.6% 30.1% 24.6% 22.1% 24.5% 26.8% 31.0%

42 41.1% 39.4% 32.5% 26.7% 24.2% 26.5% 33.7%

48 43.5% 41.7% 34.7% 28.6% 26.5% 27.2% 36.2%

54 46.0% 43.6% 36.5% 30.5% 28.7% 38.7%

60 47.9% 45.6% 38.5% 32.6% 30.4% 41.3%

Performance of HAMP modifications varies across modification types and vintages. The tables below show the 

performance of HAMP permanent modifications by type at various seasoning points for those modifications that have 

aged to, or past, the number of months noted. Streamline HAMP and HAMP Tier 2 were introduced after HAMP Tier 1. HAMP Tier 2 

# Months 

Post 

Modification 

% of Disqualified HAMP Tier 2 Modifications5

2012 2013 2014 2015 2016 2017 ALL Q1 Q2 Q3 Q4

3

N/A

1.3% 1.9% 1.7% 1.8% 1.7% 1.4% 1.5% 2.2% 2.5% 1.7%

6 5.4% 7.9% 7.1% 7.9% 7.5% 6.5% 7.4% 7.4% 7.5%

12 17.3% 17.3% 16.2% 17.6% 17.6% 16.5% 17.2%

18 23.2% 24.6% 22.6% 24.7% 25.1% 24.2%

24 28.6% 29.0% 27.6% 30.1% 29.9% 29.0%

30 32.1% 32.4% 31.6% 34.7% 32.7%

36 34.5% 34.9% 35.4% 37.0% 35.3%

42 37.7% 38.0% 38.5% 38.2%

48 39.8% 41.5% 41.7% 41.5%

54 41.6% 43.1% 43.0%

7

Streamline HAMP

# Months 

Post Modification 

% of Disqualified Streamline HAMP Modifications5

2016

2017

ALL

Q1 Q2 Q3 Q4

3

N/A

4.4% 2.2% 3.3% 2.3% 2.6% 3.7%

6 14.3% 10.5% 12.9% 10.9% 13.1%

12 27.7% 23.8% 27.2%

18 38.4% 38.4%
Making Home Affordable: HAMP Program Results

Program Performance Report through the Fourth Quarter 2017

The most significant factor driving HAMP modification performance is the amount of the reduction in the monthly 

mortgage payment, followed by the length of the homeowner’s delinquency at the start of the trial modification and the 

homeowner’s credit score at the time of modification. 

Performance by Monthly Payment Reduction

Payment reduction is strongly correlated with permanent modification sustainability. For modifications seasoned 24 

months, 15% of modifications with a monthly payment reduction greater than 50% have been disqualified due to missing 

three payments, compared to a disqualification rate of nearly 38% where the payment had been cut by 20% or less.

0%

10%

20%

30%

40%

50%

60%

70%

12 18 24 30 36 42 48 54 60

90+ Day Delinquency Rate

Months After Conversion to Permanent Modification

<=20% 20%-30% 30%-40% 40%-50% >50%

Drivers of Performance for HAMP Tier 1 and HAMP Tier 2 Modifications

8

Performance by Credit Score at the Time of Modification Performance by Delinquency at Trial Start

Homeowners who were 31 to 90 days delinquent at the 

start of the HAMP trial period experienced a 21% redefault rate in the subsequent 24 months, compared to 

28% for homeowners whose delinquency was between 

121 and 210 days at trial start.

Homeowners with credit scores between 580-619 at the 

time of modification experienced nearly a 20% re-default 

rate in the subsequent 24 months, compared to a rate of 

10% for homeowners whose credit scores were above 

660.

0%

10%

20%

30%

40%

50%

60%

12 18 24 30 36 42 48 54 60

90+ Day Delinquency Rate

Months After Conversion to Permanent Modification

<= 30 Days 31 - 90 Days

91 - 120 Days 121 - 210 Days

> 210 Days

0%

10%

20%

30%

40%

50%

60%

12 18 24 30 36 42 48 54 60

90+ Day Delinquency Rate

Months After Conversion to Permanent Modification

< 580 580 - 619 620 - 660 > 660
Making Home Affordable: HAMP Program Results

Program Performance Report through the Fourth Quarter 2017

Homeowners with Disqualified HAMP Permanent Modifications

9

7%

3%

19%

33%

13%

5%

20%

Status of Disqualified HAMP Permanent Modifications 

Action Pending

Action Not Allowed – Bankruptcy in Process 

Borrower Current / Loan Payoff

Alternative Modification / Payment Plan

Short Sale / Deed-in-Lieu

Foreclosure Starts

Foreclosure Completions

The majority of homeowners who disqualify from a HAMP permanent modification receive an alternative to foreclosure 

or resolve their delinquency. Homeowners can also take advantage of other MHA and/or government sponsored 

assistance programs. Of the homeowners who have missed three payments, and therefore disqualified from HAMP, 

approximately 25% have been referred to foreclosure. 

Source: Survey data from large servicers4

The longer homeowners remain in HAMP without defaulting, the less likely they are to default on their mortgage in the 

future. For example, the percent of loans active in month 12 that disqualified by month 15 is lower than the percent of 

loans active in month six that disqualified by month nine.

Note: A modification's inclusion in the 3-month re-default rate calculation is conditional on the modification being active at the start of the 3-month 

period being measured.

Incremental Performance of HAMP Modifications over Time

0%

1%

2%

3%

4%

5%

6%

6 9 12 15 18 21 24 27 30 33 36 39 42 45 48 51 54 57 60

2009

2010

2011

2012

2013

2014

2015

2016

2017

3-Month Re-default Rate

Months After Conversion to Permanent Modification

Conditional Re-default Rate for Tier 1 and Tier 2 Modifications by Modification Year

(% of Active Loans)

See Appendix 6 for additional information on HAMP performance by vintage.

HAMP Tier 1 Performance by Investor

Modifications of private label security loans have the 

highest delinquency rates. 

0%

10%

20%

30%

40%

50%

60%

12 18 24 30 36 42 48 54 60

90+ Day Delinquency Rate

Months After Conversion to Permanent Modification

GSE Portfolio Private

HAMP Tier 2 Performance by Prior Modification History

Loans previously modified under HAMP Tier 1 are more 

likely to disqualify from a Tier 2 modification. 

0%

10%

20%

30%

40%

50%

60%

12 18 24 30 36 42 48

With Prior Tier 1 Modification Without Prior Tier 1 Modification

90+ Day Delinquency Rate

Months After Conversion to Permanent Modification
Making Home Affordable: Other MHA Programs

Program Performance Report through the Fourth Quarter 2017

Post-Modification Counseling

Counseling Referral Activity by Servicer

Note: Data on Post-Modification Counseling is collected from sixteen servicers via survey. Servicer take-up rates will vary due to timing of referrals 

and individual servicer program design. Borrower performance data is limited by servicer program design.

% of Referrals 

Who Take Up 

Counseling

4% 9% 16% 2% 6% 8% 9% 8%

0

50,000

100,000

150,000

200,000

250,000

Bank of

America, N.A.

CitiMortgage,

Inc.

JPMorgan

Chase Bank,

N.A.

Nationstar

Mortgage LLC

Ocwen Loan

Servicing, LLC

Select

Portfolio

Servicing, Inc.

Wells Fargo

Bank, N.A.

Other

Servicers

At-Risk New Trials

Since March 2014, Treasury has required certain HAMP participating servicers to offer free financial counseling to homeowners 

with non-GSE loans who are either entering a HAMP trial modification, or are in a permanent HAMP modification and are 

determined to be at risk of re-default. The counseling is designed to help homeowners stay in their modification by addressing 

the homeowner’s current overall financial situation and the financial hardship that caused the homeowner to default on his or 

her mortgage loan. 

Through December 2017, participating servicers have made nearly 644,000 referrals to financial counseling. Of these:

• 55% are permanent modifications considered by the servicers to be at risk of disqualifying from HAMP, and 45% 

are new trial modifications.

• Nearly 48,500 referrals started financial counseling resulting in an overall take-up rate of 7.5%.

10

Borrowers in a new HAMP trial modification who participate in financial counseling at the start of their trial modification 

perform better following counseling than borrowers who do not participate. For example, 12 months after counseling, 12% 

of borrowers who participated in counseling disqualified from their HAMP modification, compared to more than 16% for 

those who did not.

Performance of Borrowers Who Participated in Counseling

0%

5%

10%

15%

20%

25%

30%

35%

Month 3 Month 6 Month 12 Month 18 Month 24 Month 30 Month 36 Month 42

Participated in Counseling Did Not Participate in Counseling

90+ Day Delinquency Rate
Making Home Affordable: Other MHA Programs

Program Performance Report through the Fourth Quarter 2017

20%

30%

40%

50%

60%

70%

80%

90%

2009-2010 2011 2012 2013 2014 2015 2016 2017

Trials Started with Principal Reduction as 

a % of Eligible Loans 

PRA All Principal Reduction

68% 69%

65%

61%

67%

61%

69%

58%

72%

57%

48% 46%

61%

24%

64% 62%

HAMP Modifications 

with Earned Principal 

Reduction Under 

PRA6

HAMP Modifications 

with Upfront 

Principal Reduction 

Outside of PRA

Total HAMP 

Modifications with 

Principal 

Reduction

All Permanent Modifications Started 245,316 55,514 300,830

Active Permanent Modifications 151,335 33,110 184,445

Median Principal Amount Reduced for Permanent 

Modifications Started7

$62,646 $51,300 $60,026 

Median Principal Amount Reduced for Permanent 

Modifications Started (%)8

31.7% 18.0% 30.2%

Total Outstanding Principal Balance Reduced on 

Permanent Modifications Started7

$21,016,578,847 $3,529,114,403 $24,545,693,250 

The HAMP Principal Reduction Alternative (PRA) has broadened the use of principal reduction in mortgage modifications 

as a tool to help underwater homeowners. Servicers of non-GSE loans are required to evaluate the benefit of principal 

reduction under HAMP PRA for mortgages with a loan-to-value (LTV) ratio greater than 115% when evaluating a 

homeowner for a HAMP modification. While servicers are required to evaluate homeowners for principal reduction, they 

are not required to reduce principal as part of the modification. 

Under HAMP, servicers provide principal reduction on HAMP modifications in two ways: 

• Under HAMP PRA, principal is reduced to lower the LTV, the investor is eligible to receive an incentive on the amount 

of principal reduced, and the reduction vests over a 3-year period.

• Servicers can also offer principal reduction to homeowners on a HAMP modification outside the requirements of 

HAMP PRA. If they do, the investor receives no incentive payment for the principal reduction and the principal 

reduction can be recognized immediately. 

The HAMP Principal Reduction Alternative

Modification Characteristics: HAMP vs. HAMP with Principal Reduction

All HAMP Modifications Total HAMP Modifications with 

Principal Reduction

Permanent Modifications – Median LTV ratio:

- Before Modification 113.8% 138.8%

- After Modification 114.0% 105.0%

Permanent Modifications – Median Before Modification Debt-to-Income (DTI) ratio:

- Front-End DTI 42.6% 41.8%

- Back-End DTI 64.1% 53.6%

11
Making Home Affordable: Other MHA Programs

Program Performance Report through the Fourth Quarter 2017

The Second Lien Modification Program (2MP) provides additional assistance to homeowners in a first lien permanent 

modification who have an eligible second lien with a participating servicer, including second liens with a qualifying first lien 

modified under the GSEs’ Standard Modification program. This assistance can result in a modification of the second lien, as 

well as a full or partial extinguishment of the second lien.

Second lien modifications follow a series of steps that may include capitalization, interest rate reduction, term extension, 

and principal forbearance or forgiveness. 

All Second Lien Modifications Started (Cumulative)* 166,415

Second Lien Modifications Involving Full Lien Extinguishments 49,395

Active Second Lien Modifications** 72,298

Active Second Lien Modifications Involving Partial Lien Extinguishments 9,621

* Includes 9,393 loans that have a qualifying first lien GSE Standard Modification.

** Includes 9,294 loans in active non-payment status whereby the 1MP modification has disqualified from HAMP. As a result, the servicer is no 

longer required to report payment activity on the 2MP modification.

The Second Lien Modification Program

Median Monthly Payment Reduction:

Second lien official modifications

Reduction on second lien only $153 

Combined first and second lien reduction $781 

% of total monthly payment 42%

Second lien full extinguishments

Combined first and second lien reduction $959 

% of total monthly payment 51%

Debt Extinguishment:

HAMP homeowners receiving partial or full extinguishment

Total Outstanding Principal Balance Extinguished $3.7B

Top Three States by Activity:

Percent of total 2MP modifications started

California 33%

Florida 10%

New York 7%

2MP Modification Characteristics

12
Making Home Affordable: Other MHA Programs

Program Performance Report through the Fourth Quarter 2017

The Home Affordable Foreclosure Alternatives Program

In 14% of HAFA transactions completed, the 

homeowner began a HAMP trial modification but later 

requested a HAFA agreement or was disqualified from 

HAMP.

Top Three States by 

HAFA Activity:

% of HAFA Transactions 

Completed

California 33%

Florida 16%

Nevada 5%

Non-GSE HAFA Activity by State

Non-GSE HAFA Debt Relief & Release of Subordinate Liens

Characteristics of Non-GSE HAFA Activity

Participating servicers must consider all homeowners denied for HAMP for a short sale or deed-in-lieu of foreclosure 

through the HAFA program. However, individual investors can impose additional eligibility requirements.

HAFA Activity by Investor Type

Through HAFA, homeowners can be relieved of significant 

unpaid principal balances. 

Median Unpaid Principal Balance Before HAFA $270,276 

Median Sales Price $167,000 

Median Debt Relief $113,407 

Median Debt Relief as % of UPB 44%

Total Debt Relief (cumulative) $30.3B

% of HAFA transactions completed that included 

release of a homeowner’s subordinate liens 39%

Total subordinate liens released (cumulative) $628.8M

In addition to satisfying the primary mortgage debt, as part of 

a HAFA short sale or deed-in-lieu the homeowner must be 

fully released from liability for subordinate liens. 

The Home Affordable Foreclosure Alternatives (HAFA) Program offers incentives and a streamlined process for 

homeowners looking to exit their homes or sell a rental property through a short sale or deed-in-lieu (DIL) of foreclosure. 

HAFA has established important homeowner protections and an industry standard for streamlined transactions. Effective 

November 2012, the GSEs revised their Standard HAFA program to align with Treasury’s HAFA program. In HAFA 

transactions, homeowners who need to relocate:

• Follow a streamlined process for short sales and DIL transactions that requires no verification of income (unless 

required by investors) and allows for pre-approved short sale terms;

• Receive a waiver of deficiency once the transaction is completed that releases the homeowner from remaining 

mortgage debt; and

• Receive $10,000* in relocation assistance at closing.

*Prior to February 1, 2015, homeowners received $3,000.

Private Portfolio GSE Total

Short Sale 160,751 56,820 189,081 406,652

Deed-in-Lieu 12,415 5,315 51,966 69,696

Total Transactions Completed 173,166 62,135 241,047 476,348

13
Making Home Affordable: Results by Servicer

Program Performance Report through the Fourth Quarter 2017

14

Making Home Affordable Program Activity by Servicer

Servicer 

HAMP Tier 1 

Permanent 

Modifications

HAMP Tier 2 

Permanent 

Modifications

Streamline 

HAMP 

Permanent 

Modifications

PRA9

Permanent 

Modifications

2MP 

Modifications

HAFA10 nonGSE 

Transactions 

Completed

Bank of America, N.A. 93,710 6,913 N/A* 4,066 42,423 50,069

CitiMortgage, Inc. 27,984 3,339 776 2,719 20,867 2,551

JPMorgan Chase Bank, N.A. 157,026 6,645 2,568 24,840 45,288 38,454

Nationstar Mortgage LLC 185,473 27,997 5,025 11,651 9,877 12,051

Ocwen Loan Servicing, LLC 245,576 85,630 18,789 119,712 N/A* 30,054

Select Portfolio Servicing, Inc. 138,890 33,901 11,279 25,517 N/A* 23,646

Wells Fargo Bank, N.A. 187,529 12,866 186 29,413 25,383 45,847

Other Servicers 437,007 40,648 5,384 27,398 22,577 32,629

Total 1,473,195 217,939 44,007 245,316 166,415 235,301

As of December 2017, there were 130 servicers that participate in Treasury’s MHA programs, but seven servicers make 

up more than three quarters of non-GSE HAMP modifications. Program activity for these servicers is provided below. 

HAMP Permanent Modifications by Investor

Servicer 

All HAMP Permanent Modifications

GSE Private Portfolio Total

Bank of America, N.A. 38,969 43,530 18,124 100,623 

CitiMortgage, Inc. 13,232 8,531 10,336 32,099 

JPMorgan Chase Bank, N.A. 66,904 53,403 45,932 166,239 

Nationstar Mortgage LLC 119,293 90,125 9,077 218,495 

Ocwen Loan Servicing, LLC 22,793 305,451 21,751 349,995 

Select Portfolio Servicing, Inc. 24,474 130,477 29,119 184,070 

Wells Fargo Bank, N.A. 71,517 39,970 89,094 200,581 

Other Servicers 303,184 107,183 72,672 483,039 

Total 660,366 778,670 296,105 1,735,141 

*Servicer does not participate.
Making Home Affordable: Results by Servicer

Program Performance Report through the Fourth Quarter 2017

Servicer Performance 

15

Treasury Monitors Performance of Participating Mortgage Servicers

Treasury has monitored the performance of participating mortgage servicers since the MHA Program’s inception 

in 2009. Freddie Mac, acting as Treasury’s compliance agent, created a separate division known as Making Home 

Affordable–Compliance (MHA-C), which evaluates servicers’ compliance with MHA guidelines through regular 

compliance reviews. 

Over the years, these reviews have assessed servicers’ compliance with MHA guidelines in many areas, such as:

• Identifying and contacting homeowners who are potentially eligible for MHA;

• Evaluating homeowners’ eligibility for MHA programs and communicating decisions;

• Remitting or applying financial incentives for the benefit of eligible homeowners;

• Processing interest-rate step-ups, loan recasts and related notices to borrowers;

• Processing MHA-modified loans that have lost good standing or are included in a transfer of 

servicing; and

• Reporting MHA data to Treasury’s system of record.

MHA-C reports the results of each compliance review to Treasury and the servicer. This approach provides 

Treasury with comprehensive insight into how each servicer is implementing MHA programs. 

Consequences of Non-Compliance

It is important to note that servicer participation in MHA is based on a contract with Fannie Mae, as financial 

agent on behalf of Treasury. Treasury does not regulate these institutions and does not have the authority to 

impose fines or penalties. Treasury can, pursuant to the contract, take certain remedial actions against servicers 

not in compliance with MHA guidelines. This includes requiring the servicer to correct identified instances of noncompliance, identify and re-evaluate affected loans, perform a retroactive analysis when an issue is potentially 

systemic, and enhance the effectiveness of the servicer’s internal controls. In addition, Treasury can implement 

financial remedies, such as withholding financial incentive payments owed to servicers until non-compliance is 

corrected.

MHA Wind-Down

The Consolidated Appropriations Act, 2016, signed into law on December 18, 2015, provided that the MHA 

Program would terminate on December 31, 2016, except with respect to certain loan modification applications 

made before such date. As set forth in program guidelines, MHA servicers were required to evaluate applications 

submitted before the deadline and offer trial modifications to eligible applicants. All MHA transactions must be 

completed by December 1, 2017.

Following the completion of all MHA transactions on December 1, 2017, Treasury will continue to monitor 

servicer compliance with respect to those MHA guidelines that pertain to post-modification activities, and 

require remedial action as described above.
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Appendix 1: Program Notes

The Home Affordable Modification Program (HAMP) provides eligible homeowners the opportunity to lower their first lien mortgage 

payment through a loan modification. HAMP includes Tier 1, which offers modifications for Government Sponsored Enterprise (GSE) 

and non-GSE homeowners; HAMP Tier 2, which offers modifications for non-GSE homeowners; and Streamline HAMP, which offers 

modifications for non-GSE homeowners. 

HAMP Tier 2 is modeled after the GSE Standard Modification, which was created in October 2011 when the GSEs launched the 

Servicer Alignment Initiative (SAI). HAMP Tier 2 expands eligibility to include homeowners with properties currently occupied by a 

tenant as well as vacant properties the homeowner intends to rent.

Streamline HAMP is modeled after the GSE Streamlined Modification, which was launched in July 2013. Streamline HAMP provides 

seriously delinquent homeowners the opportunity to receive a modification with no income documentation and reduced hardship 

documentation.

Treasury FHA-HAMP provides first lien modifications for distressed homeowners in loans insured or guaranteed through the Federal 

Housing Administration (FHA). The FHA introduced FHA-HAMP to provide assistance to borrowers with FHA-insured loans who are 

unable to meet their mortgage payments. Treasury pays incentives to servicers for FHA-insured first lien non-GSE mortgages that are 

modified under Treasury FHA-HAMP guidelines. 

RD-HAMP provides first lien modifications for distressed homeowners in loans guaranteed through the Rural Housing Service. 

The Second Lien Modification Program (2MP) provides modifications and extinguishments on second liens when there has been an 

eligible HAMP Tier 1, Tier 2, or GSE Standard Modification first lien modification, on the same property. 

The Home Affordable Foreclosure Alternatives (HAFA) Program provides transition alternatives to foreclosure in the form of a short 

sale or deed-in-lieu of foreclosure. The GSE Standard HAFA program is closely aligned with Treasury’s MHA HAFA program. 

The Home Affordable Unemployment Program (UP) provides temporary forbearance of mortgage principal to enable unemployed 

homeowners to look for a new job without fear of foreclosure.

General MHA Program Notes:

MHA Program Effective Dates:

HAMP First Lien: April 6, 2009

PRA: October 1, 2010

2MP: August 13, 2009

HAFA: April 5, 2010

MHA programs terminated on December 31, 2016, except with respect to certain loan modification applications made before that 

date. Reporting will continue, however. 

HAMP, PRA, Treasury FHA-HAMP, RD-HAMP, 2MP, and HAFA program data include activity reported into the HAMP system of record 

through the end of cycle for the current reporting month, though the effective date may occur in the following month.

MHA First Lien Program Notes:

MHA First Lien Permanent Modifications Started includes HAMP Tier 1, HAMP Tier 2, Streamline HAMP, GSE Standard Modifications 

and both Treasury FHA- and RD-HAMP. HAMP Tier 1 includes both GSE and non-GSE modifications. Treasury's FHA-HAMP and RDHAMP are similar to HAMP Tier 1. The GSEs do not participate in HAMP Tier 2; however, the GSE Standard Modification is similar to 

HAMP Tier 2. The GSEs do not participate in Streamline HAMP; however, the GSE Streamlined Modification is similar to Streamline 

HAMP. While Streamline HAMP is modeled after GSE Streamlined Modification, GSE Streamlined Modification data is not included in 

this report. 

GSE Standard Modification data is provided by Fannie Mae and Freddie Mac as of December 2017. The GSEs undertake other 

foreclosure prevention activities beyond their participation in MHA, including the GSE Streamlined Modification, that are not reflected 

in this report. The latest Federal Housing Finance Agency’s Foreclosure Prevention Report can be found at: www.FHFA.gov.

Treasury FHA-HAMP Program Notes: 

The FHA undertakes foreclosure prevention activities beyond their participation in MHA that are not reflected in this report. Please 

refer to the latest edition of the Obama Administration’s Housing Scorecard for the total number of loss mitigation and early

delinquency interventions FHA has offered since April 1, 2009. Please visit www.hud.gov. 16
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Appendix 1: Program Notes

2MP Program Notes:

Number of modifications started is net of cancellations, which are primarily due to servicer data corrections.

2MP loans previously reported under top servicers that were transferred to or acquired by non-participating 2MP servicers are 

reflected in “Other Servicers.”

Homeowners with an active first lien permanent modification and a second lien (2MP) modification realize a higher monthly payment 

reduction on their first lien compared to the overall population of first lien homeowners because of the higher median first lien 

unpaid principal balance.

HAFA Program Notes:

Unless otherwise noted, HAFA Transactions Completed includes GSE activity under the MHA program in addition to the GSE Standard 

HAFA program implemented in November 2012. GSE Standard HAFA data provided by Fannie Mae and Freddie Mac as of December 

2017. It does not include other GSE short sale and DIL activity outside the HAFA program. Please refer to the latest Federal Housing 

Finance Agency’s Foreclosure Prevention Report for the total number of short sales and DIL of foreclosure actions the GSEs have 

completed since 4Q 2008. Please visit www.FHFA.gov for the complete FHFA report. 

A short sale requires a third-party purchaser and cooperation of junior lien holders and mortgage insurers to complete the 

transaction.

The debt relief represents the obligation relieved by the short sale or deed-in-lieu transaction and is calculated as the unpaid principal 

balance and allowable transactions costs less the property sales price. The allowable transaction costs may include release of any 

subordinate lien, homeowner relocation assistance, sales commission, and closing costs for taxes, title, and attorney fees.

PRA Program Notes:

Eligible loans include those receiving evaluation under HAMP PRA guidelines plus loans that did not require an evaluation but received 

principal reduction on their modification.

17
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Appendix 2: Terms and Methodologies

Average Delinquency at Trial Start:

For all permanent modifications started, the average number of days delinquent as of the trial plan start date. Delinquency is 

calculated as the number of days between the homeowner's last paid installment before the trial plan and the first payment due date 

of the trial plan.

Back-End Debt-to-Income Ratio:

Ratio of total monthly debt payments (including mortgage principal and interest, taxes, insurance, homeowners association and/or 

condo fees, plus payments on installment debts, junior liens, alimony, car lease payments and investment property payments) to 

monthly gross income. Homeowners who have a back-end debt-to-income ratio of greater than 55% are required to seek housing 

counseling under program guidelines.

Disqualification:

A permanent modification disqualifies from HAMP when the borrower misses the equivalent of three full monthly payments. Once 

disqualified, the borrower is no longer eligible to receive HAMP incentives. However, the terms of the permanent modification remain 

the same, and the servicer will continue to work with the borrower to cure the delinquency or identify other loss mitigation options.

Servicers are required to report monthly payment information on HAMP modifications in the form of an Official Monthly Report 

(OMR). If a servicer does not report an OMR for a loan in a given month, the performance of that loan is not included in official 

Treasury reporting for that month. In addition, reported loan counts may shift from prior reports due to servicer data corrections.

Eligible Loans:

Homeowners with HAMP eligible loans, which include conventional loans that were originated on or before January 1, 2009; excludes 

loans with current unpaid principal balances greater than current conforming loan limits-current unpaid principal balance must be no 

greater than: $729,750 for a single-unit property, 2 units: $934,200, 3 Units: $1,129,250, 4 Units: $1,403,400; FHA and VA loans; loans 

where investor pooling and servicing agreements preclude modification; and manufactured housing loans with title/chattel issues 

that exclude them from HAMP. 

Front-End Debt-to-Income Ratio:

Ratio of housing expenses (principal, interest, taxes, insurance and homeowners association and/or condo fees) to monthly gross 

income. 

Monthly Housing Payment:

Principal and interest payment.

18
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Note # Section End Notes 

1

MHA Program Updates

(page 2)

MHA Program Activity includes HAMP Tier 1, HAMP Tier 2, and Streamline HAMP, except where 

specified.

2

MHA Program Updates

(page 2)

MHA First Lien Permanent Modifications Started includes GSE Standard Modifications (GSE SAI) but 

not GSE Streamlined Modifications. For details on all GSE programs, visit http://www.FHFA.gov/. 

3

HAMP Program Results

(page 4)

As reported into the HAMP system of record by servicers. Excludes Treasury FHA-HAMP modifications. 

Totals reflect impact of servicing transfers. 

4

HAMP Program Results

(page 4 and page 9)

Data is as reported by servicers for actions completed through the end of December 2017 and reflects 

the status of homeowners as of that date; a homeowner's status may change over time. Survey data 

is not subject to the same data quality checks as data uploaded into the HAMP system of record. 

Excludes cancellations and disqualifications pending data corrections and loans otherwise removed 

from servicing portfolios.

5

HAMP Program Results

(page 7)

Servicers did not submit 3.6% of the total required OMRs for loans aged up to 60 months in the 

current reporting period. In addition, reported loan counts may shift from prior reports due to 

servicer data corrections. If it was assumed that all unreported OMRs reflect either a current payment 

status or the maximum number of missed payments based on the most recently submitted OMR, the 

re-default rate for Tier 1 permanent modifications that have aged 60 months may range between 

40.9% and 41.0%. 

6

Other MHA Programs

(page 11) Includes some modifications with additional principal reduction outside of HAMP PRA.

7

Other MHA Programs

(page 11)

Under HAMP PRA, principal reduction vests over a 3-year period. The amounts noted reflect the 

entire amount that may be forgiven.

8

Other MHA Programs

(page 11) Principal amount reduced as a percentage of before-modification UPB, excluding capitalization.

9

Results by Servicer

(page 14)

While both GSE and non-GSE loans are eligible for HAMP, due to GSE policy, servicers can only offer 

PRA on non-GSE modifications under HAMP. Servicer volume can vary based on the investor 

composition of the servicer’s portfolio and respective policy with regards to PRA.

10 Results by Servicer

(page 14) Includes non-GSE activity under the MHA program only. Servicer GSE program data not available.

Appendix 3: End Notes

19
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Appendix 4: All HAMP Activity by State

State Permanent Modifications 

Started 

Median Monthly Payment 

Reduction Median Monthly 

Pre-Modification Payment

Median Monthly Payment 

Reduction % of PreModification Payment

AK 847 $468.68 $1,487.39 32%

AL 12,166 $262.82 $786.33 33%

AR 4,638 $245.15 $740.86 33%

AZ 58,091 $433.26 $1,187.11 36%

CA 376,052 $696.11 $1,925.78 36%

CO 22,160 $403.23 $1,229.75 33%

CT 26,073 $511.11 $1,373.53 37%

DC 3,227 $522.67 $1,669.22 31%

DE 6,177 $396.45 $1,244.42 32%

FL 209,255 $454.25 $1,162.95 39%

GA 63,141 $349.71 $970.05 36%

HI 6,644 $767.16 $2,335.60 33%

IA 4,922 $247.68 $734.76 34%

ID 5,973 $365.28 $1,099.70 33%

IL 91,144 $484.74 $1,212.35 40%

IN 19,417 $260.26 $759.78 34%

KS 4,810 $281.16 $842.24 33%

KY 8,026 $261.24 $768.43 34%

LA 12,792 $276.47 $821.55 34%

MA 41,778 $560.76 $1,614.56 35%

MD 59,309 $549.56 $1,624.72 34%

ME 5,465 $374.81 $1,067.29 35%

MI 47,790 $338.25 $900.49 38%

MN 24,919 $414.01 $1,195.52 35%

MO 19,352 $289.48 $817.27 35%

MS 7,867 $247.30 $722.63 34%

MT 1,842 $387.37 $1,200.81 32%

NC 35,491 $295.74 $875.61 34%

ND 300 $272.40 $864.29 32%

NE 2,788 $260.09 $765.08 34%

NH 7,753 $458.88 $1,333.35 34%

NJ 66,750 $604.50 $1,646.63 37%

NM 6,252 $338.90 $1,018.83 33%

NV 35,626 $517.55 $1,373.06 38%

NY 97,613 $735.24 $1,975.16 37%

OH 41,766 $288.74 $781.75 37%

OK 5,428 $244.64 $719.77 34%

OR 18,509 $443.28 $1,296.95 34%

PA 46,891 $328.61 $972.05 34%

RI 8,904 $518.67 $1,344.39 39%

SC 18,577 $286.97 $855.66 34%

SD 651 $261.46 $868.60 30%

TN 21,835 $281.13 $805.96 35%

TX 57,397 $276.89 $821.65 34%

UT 13,292 $419.68 $1,316.56 32%

VA 41,068 $469.87 $1,468.21 32%

VT 1,720 $362.70 $1,070.14 34%

WA 35,804 $490.86 $1,482.30 33%

WI 17,832 $338.40 $943.12 36%

WV 2,555 $295.96 $976.15 30%

WY 853 $357.56 $1,172.38 30%

PR 5,565 $276.27 $761.37 36%

Nationwide* 1,735,141 $465.90 $1,325.44 35%

* Includes U.S. 

Territories

20
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Median Values

State Before Mod 

DTI

Pre-Mod 

Interest 

Rate

Pre-Mod 

Monthly P&I

Monthly 

Income at 

Time of Mod

After Mod UPB

After Mod 

Monthly 

P&I

Monthly P&I 

Payment 

Increase at 

First Interest 

Rate Increase

Total Monthly 

P&I Payment 

Increase after 

All Increases

Final Monthly 

P&I Payment 

Reduction from 

Pre-Mod P&I

AK 44.81% 6.8% $ 1,459.91 $ 4,167.00 $ 216,999.78 $ 836.58 $ 94.44 $ 178.31 $ (399.73)

AL 46.77% 6.8% $ 874.14 $ 2,272.00 $ 119,447.35 $ 498.10 $ 47.84 $ 97.53 $ (242.71)

AR 45.89% 6.5% $ 801.46 $ 2,121.18 $ 115,051.05 $ 457.91 $ 48.84 $ 101.50 $ (212.97)

AZ 49.57% 6.4% $ 1,190.69 $ 2,798.77 $ 177,960.49 $ 652.08 $ 78.00 $ 189.59 $ (309.96)

CA 48.84% 6.1% $ 1,941.58 $ 4,665.45 $ 306,786.83 $ 1,058.28 $ 135.04 $ 310.26 $ (480.89)

CO 46.69% 6.5% $ 1,235.03 $ 3,166.66 $ 188,722.20 $ 728.80 $ 80.44 $ 180.89 $ (301.71)

CT 45.64% 6.5% $ 1,458.75 $ 4,333.33 $ 210,193.07 $ 777.38 $ 90.70 $ 198.06 $ (414.16)

DC 47.89% 6.4% $ 1,689.16 $ 4,090.00 $ 272,162.50 $ 958.67 $ 119.13 $ 264.48 $ (384.55)

DE 47.19% 6.5% $ 1,283.75 $ 3,121.50 $ 197,685.00 $ 751.01 $ 84.11 $ 177.70 $ (312.08)

FL 47.63% 6.5% $ 1,192.50 $ 3,272.00 $ 171,000.00 $ 613.68 $ 75.03 $ 168.84 $ (350.96)

GA 47.57% 6.5% $ 1,003.63 $ 2,628.95 $ 143,197.61 $ 553.08 $ 61.56 $ 137.95 $ (282.24)

HI 49.09% 6.3% $ 2,433.33 $ 5,399.76 $ 395,619.41 $ 1,368.91 $ 175.67 $ 379.10 $ (527.57)

IA 44.49% 6.6% $ 775.81 $ 2,280.98 $ 106,824.54 $ 428.45 $ 44.08 $ 93.04 $ (208.31)

ID 48.67% 6.5% $ 1,149.95 $ 2,730.43 $ 171,058.72 $ 654.83 $ 74.23 $ 165.85 $ (290.71)

IL 47.14% 6.5% $ 1,279.02 $ 3,696.69 $ 178,362.95 $ 640.52 $ 78.14 $ 177.74 $ (395.43)

IN 46.23% 6.8% $ 811.98 $ 2,145.00 $ 109,169.56 $ 448.25 $ 44.48 $ 93.47 $ (225.32)

KS 44.63% 6.6% $ 895.10 $ 2,701.89 $ 126,003.65 $ 499.04 $ 51.27 $ 110.84 $ (243.78)

KY 46.11% 6.8% $ 817.45 $ 2,205.30 $ 112,119.02 $ 457.63 $ 46.01 $ 97.27 $ (226.91)

LA 45.62% 6.9% $ 894.99 $ 2,564.00 $ 123,829.95 $ 495.86 $ 51.49 $ 101.91 $ (254.88)

MA 47.15% 6.4% $ 1,658.92 $ 4,333.33 $ 250,290.84 $ 909.76 $ 108.07 $ 239.15 $ (429.97)

MD 46.91% 6.4% $ 1,673.24 $ 4,331.97 $ 259,750.13 $ 936.48 $ 113.59 $ 251.64 $ (414.76)

ME 46.83% 6.6% $ 1,137.72 $ 2,998.36 $ 163,672.20 $ 612.79 $ 70.25 $ 143.64 $ (306.65)

MI 46.97% 6.5% $ 956.00 $ 2,666.73 $ 129,934.90 $ 503.71 $ 54.27 $ 124.21 $ (277.79)

MN 46.21% 6.3% $ 1,202.13 $ 3,294.00 $ 178,055.64 $ 674.64 $ 76.50 $ 175.80 $ (310.23)

MO 46.21% 6.7% $ 883.42 $ 2,475.12 $ 123,277.47 $ 483.39 $ 51.12 $ 109.87 $ (251.96)

MS 46.59% 6.9% $ 811.09 $ 2,237.63 $ 111,680.47 $ 449.20 $ 45.29 $ 90.82 $ (237.23)

MT 46.95% 6.4% $ 1,269.70 $ 3,250.00 $ 195,171.72 $ 730.05 $ 81.62 $ 174.19 $ (312.26)

NC 46.56% 6.6% $ 943.35 $ 2,483.57 $ 133,269.25 $ 535.00 $ 55.99 $ 116.90 $ (252.39)

ND 42.33% 6.5% $ 881.34 $ 2,826.19 $ 132,200.71 $ 516.30 $ 57.21 $ 121.92 $ (216.88)

NE 43.70% 6.8% $ 770.93 $ 2,463.44 $ 108,255.42 $ 442.20 $ 44.57 $ 91.26 $ (213.12)

NH 44.09% 6.4% $ 1,347.04 $ 4,160.00 $ 198,189.82 $ 764.01 $ 84.67 $ 181.07 $ (348.87)

Appendix 5: HAMP Tier 1 Scheduled Interest Rate Increases by State

21
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Median Values

State Before Mod 

DTI

Pre-Mod 

Interest 

Rate

Pre-Mod 

Monthly P&I

Monthly 

Income at 

Time of Mod

After Mod UPB

After Mod 

Monthly 

P&I

Monthly P&I 

Payment 

Increase at 

First Interest 

Rate Increase

Total Monthly 

P&I Payment 

Increase after 

All Increases

Final Monthly 

P&I Payment 

Reduction from 

Pre-Mod P&I

NJ 45.27% 6.4% $ 1,705.40 $ 5,250.91 $ 250,114.70 $ 886.81 $ 110.07 $ 236.93 $ (473.11)

NM 47.37% 6.5% $ 1,063.26 $ 2,744.54 $ 156,255.43 $ 612.30 $ 67.75 $ 143.50 $ (285.97)

NV 50.18% 6.3% $ 1,369.20 $ 3,124.53 $ 207,977.98 $ 738.04 $ 91.49 $ 216.67 $ (364.44)

NY 47.08% 6.4% $ 2,085.32 $ 5,716.88 $ 313,298.78 $ 1,086.12 $ 137.71 $ 296.30 $ (581.55)

OH 45.49% 6.6% $ 817.29 $ 2,378.90 $ 110,044.15 $ 442.82 $ 45.31 $ 98.85 $ (236.03)

OK 44.89% 6.9% $ 773.60 $ 2,331.50 $ 105,182.22 $ 436.15 $ 42.70 $ 85.89 $ (224.88)

OR 46.75% 6.4% $ 1,323.61 $ 3,440.69 $ 206,760.39 $ 767.92 $ 91.18 $ 200.03 $ (323.27)

PA 45.30% 6.6% $ 1,078.30 $ 3,168.25 $ 150,806.63 $ 581.43 $ 63.22 $ 129.16 $ (297.06)

RI 47.47% 6.4% $ 1,360.13 $ 3,639.03 $ 196,067.41 $ 701.79 $ 84.83 $ 190.58 $ (401.04)

SC 46.77% 6.6% $ 957.87 $ 2,472.19 $ 136,434.78 $ 543.73 $ 57.66 $ 121.00 $ (251.07)

SD 44.07% 6.5% $ 929.37 $ 2,736.50 $ 136,541.65 $ 533.39 $ 57.12 $ 126.07 $ (214.85)

TN 47.11% 6.9% $ 872.67 $ 2,293.53 $ 117,940.33 $ 480.12 $ 47.97 $ 100.26 $ (260.38)

TX 43.21% 7.0% $ 851.33 $ 2,925.19 $ 117,227.83 $ 480.96 $ 47.94 $ 98.54 $ (248.05)

UT 47.73% 6.5% $ 1,368.90 $ 3,269.76 $ 211,335.17 $ 801.91 $ 92.98 $ 211.06 $ (322.02)

VA 46.73% 6.4% $ 1,595.78 $ 4,059.82 $ 249,076.98 $ 904.96 $ 107.58 $ 239.21 $ (360.45)

VT 46.30% 6.8% $ 1,149.63 $ 3,117.86 $ 166,750.00 $ 627.32 $ 70.59 $ 154.68 $ (304.92)

WA 46.47% 6.4% $ 1,515.12 $ 3,972.22 $ 241,560.48 $ 872.65 $ 106.64 $ 231.92 $ (352.11)

WI 45.14% 6.5% $ 983.53 $ 2,974.00 $ 137,766.20 $ 530.00 $ 58.69 $ 125.95 $ (275.83)

WV 46.76% 6.6% $ 1,097.57 $ 2,688.93 $ 155,640.57 $ 629.07 $ 64.85 $ 127.96 $ (265.67)

WY 46.50% 6.5% $ 1,301.51 $ 3,222.00 $ 189,322.74 $ 793.72 $ 79.94 $ 162.43 $ (309.11)

PR 51.37% 6.3% $ 758.57 $ 1,617.12 $ 102,832.11 $ 432.96 $ 44.09 $ 92.99 $ (217.39)

Nationwide* 47.40% 6.4% $ 1,445.00 $ 3,794.25 $ 214,531.40 $ 778.61 $ 92.94 $ 207.66 $ (371.87)

* Includes U.S. Territories

Appendix 5: HAMP Tier 1 Scheduled Interest Rate Increases by State

22
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Appendix 6: Performance of HAMP Modifications by Vintage

HAMP Tier 1

Mod. 

Effective in: 

Delinquency: Months After Conversion to Permanent Modification 

3 6 12 18 24

# 90+ Days # 90+ Days # 90+ Days # 90+ Days # 90+ Days

2009Q3 3,562 4.5% 4,383 10.6% 4,583 21.2% 4,916 28.9% 5,017 33.5%

2009Q4 43,323 1.9% 47,118 6.3% 50,970 15.9% 54,141 22.4% 55,087 28.4%

2010Q1 123,480 1.5% 149,690 6.1% 160,478 16.1% 165,484 22.5% 167,304 28.8%

2010Q2 147,021 1.8% 156,628 7.5% 172,929 16.1% 170,159 24.1% 178,290 28.7%

2010Q3 85,916 1.9% 95,577 7.1% 103,851 14.5% 105,812 21.9% 105,859 26.8%

2010Q4 57,818 1.8% 62,269 5.7% 64,894 14.5% 66,425 21.1% 66,192 26.5%

2011Q1 70,565 1.0% 75,527 5.1% 79,237 13.6% 80,823 19.2% 80,491 24.9%

2011Q2 79,587 1.3% 88,842 5.8% 92,349 13.2% 91,643 20.1% 91,251 25.1%

2011Q3 80,615 1.3% 85,671 5.6% 86,659 12.3% 86,414 18.9% 84,893 23.4%

2011Q4 64,719 1.2% 67,231 4.4% 67,583 11.4% 67,747 16.8% 67,460 21.0%

2012Q1 49,170 0.8% 50,604 4.0% 50,635 10.8% 50,028 15.8% 50,532 20.0%

2012Q2 43,823 1.0% 44,796 4.6% 45,073 10.9% 44,569 16.1% 44,773 20.0%

2012Q3 47,127 1.0% 48,817 4.6% 49,540 10.0% 50,038 15.1% 50,287 18.5%

2012Q4 39,172 1.0% 41,092 3.9% 42,306 9.4% 42,553 14.0% 42,683 17.6%

2013Q1 39,140 0.7% 40,794 3.5% 41,917 9.6% 42,286 13.9% 42,069 17.7%

2013Q2 31,442 0.8% 32,920 3.9% 33,629 9.4% 33,913 14.2% 34,055 17.4%

2013Q3 31,824 0.9% 33,297 4.2% 34,702 9.3% 34,512 14.1% 34,664 17.0%

2013Q4 27,218 1.0% 28,537 3.9% 29,819 9.5% 29,837 14.0% 29,828 17.2%

2014Q1 23,618 0.9% 25,516 3.9% 26,366 10.4% 26,300 14.5% 26,388 17.9%

2014Q2 18,979 1.1% 19,787 5.1% 20,406 10.8% 20,367 15.3% 20,473 18.6%

2014Q3 16,947 1.3% 17,788 5.5% 18,360 10.7% 18,412 15.9% 18,362 19.4%

2014Q4 15,077 1.5% 16,842 4.5% 17,279 10.8% 17,489 15.8% 17,272 19.7%

2015Q1 14,769 1.0% 15,743 4.4% 16,154 11.1% 16,156 16.0% 16,171 20.1%

2015Q2 14,233 1.4% 14,780 5.6% 15,074 12.0% 15,072 16.9% 15,130 20.6%

2015Q3 12,612 1.5% 13,055 5.6% 13,327 11.8% 13,275 17.8% 13,289 21.3%

2015Q4 10,448 1.6% 10,910 5.7% 11,154 12.5% 11,125 18.0% 10,603 23.2%

2016Q1 9,615 1.0% 10,005 5.1% 10,203 12.5% 10,175 17.8% 3,457 23.5%

2016Q2 8,738 1.6% 9,210 5.9% 9,438 12.9% 8,965 19.4%

2016Q3 7,960 1.4% 8,389 6.1% 8,573 13.0% 2,982 19.8%

2016Q4 6,602 1.3% 7,012 5.5% 6,710 13.5%

2017Q1 5,776 1.2% 6,029 4.6% 1,987 11.2%

2017Q2 4,380 1.5% 4,331 7.0%

2017Q3 1,267 1.6% 688 7.3%

2017Q4 135 2.2%

All 1,236,678 1.3% 1,333,878 5.5% 1,386,185 13.1% 1,381,618 19.2% 1,371,880 23.9%

Loan payment status is not reported by servicers after program disqualification (90+ days delinquent). Therefore, 90+ days delinquent loans are included 

in each of the 60+ and 90+ days delinquent metrics for all future reporting periods, even though some loans may have cured or paid off following 

program disqualification. In addition, once a loan is reported as paid off it is no longer reflected in future periods. 

23
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Appendix 6: Performance of HAMP Modifications by Vintage

HAMP Tier 1

Mod. 

Effective in: 

Delinquency: Months After Conversion to Permanent Modification 

36 48 60 72 84

# 90+ Days # 90+ Days # 90+ Days # 90+ Days # 90+ Days

2009Q3 5,117 41.7% 5,025 48.2% 5,005 52.3% 4,754 58.6% 4,428 65.7%

2009Q4 55,897 37.2% 55,642 43.1% 54,893 47.5% 52,699 52.8% 49,187 59.5%

2010Q1 165,607 37.5% 165,315 43.0% 162,771 47.2% 156,831 52.2% 146,035 58.8%

2010Q2 174,571 37.5% 173,713 42.6% 172,477 46.2% 165,198 51.3% 154,072 57.8%

2010Q3 104,148 35.3% 104,699 39.8% 102,415 43.9% 98,057 48.9% 92,295 54.6%

2010Q4 65,680 34.3% 65,672 38.8% 64,594 42.6% 62,152 47.1% 57,306 53.6%

2011Q1 80,621 31.9% 80,085 36.6% 78,313 40.4% 74,047 45.6% 24,347 51.8%

2011Q2 91,256 31.6% 90,752 36.1% 88,359 39.8% 83,661 45.0%

2011Q3 86,593 29.2% 84,737 34.2% 81,825 38.2% 78,097 42.7%

2011Q4 67,546 26.8% 66,472 30.9% 64,668 34.7% 59,529 40.3%

2012Q1 50,079 26.0% 49,481 30.1% 47,941 33.8% 15,135 38.5%

2012Q2 44,693 25.5% 43,672 29.5% 42,164 33.3%

2012Q3 49,577 24.1% 48,340 28.1% 46,589 31.7%

2012Q4 42,070 22.7% 40,929 26.7% 37,888 31.3%

2013Q1 41,563 22.5% 40,318 26.5% 12,103 30.4%

2013Q2 33,910 22.0% 32,966 26.1%

2013Q3 34,241 21.9% 33,203 26.1%

2013Q4 29,483 22.0% 27,398 27.3%

2014Q1 26,065 23.4% 8,243 27.2%

2014Q2 20,321 23.9%

2014Q3 18,109 25.2%

2014Q4 16,378 26.5%

2015Q1 5,509 26.8%

2015Q2

2015Q3

2015Q4

2016Q1

2016Q2

2016Q3

2016Q4

2017Q1

2017Q2

2017Q3

2017Q4

All 1,309,034 31.0% 1,216,662 36.2% 1,062,005 41.3% 850,160 48.1% 527,670 57.0%

Loan payment status is not reported by servicers after program disqualification (90+ days delinquent). Therefore, 90+ days delinquent loans are 

included in each of the 60+ and 90+ days delinquent metrics for all future reporting periods, even though some loans may have cured or paid off 

following program disqualification. In addition, once a loan is reported as paid off it is no longer reflected in future periods. 

24
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Loan payment status is not reported by servicers after program disqualification (90+ days delinquent). Therefore, 90+ days delinquent loans are 

included in each of the 60+ and 90+ days delinquent metrics for all future reporting periods, even though some loans may have cured or paid off 

following program disqualification. In addition, once a loan is reported as paid off it is no longer reflected in future periods. 

Appendix 6: Performance of HAMP Modifications by Vintage

HAMP Tier 2

Mod. Effective 

in: 

Delinquency: Months After Conversion to Permanent Modification 

3 6 12 18

# 90+ Days # 90+ Days # 90+ Days # 90+ Days

2012Q3 0 0.0% 0 0.0% 0 0.0% 1 100.0%

2012Q4 946 1.3% 1,116 5.4% 1,186 17.3% 1,243 23.1%

2013Q1 2,476 1.4% 2,710 7.2% 2,870 19.5% 2,975 26.8%

2013Q2 4,100 1.6% 4,450 8.0% 5,053 17.6% 5,156 24.8%

2013Q3 11,196 2.2% 13,196 8.4% 13,621 16.9% 13,528 25.0%

2013Q4 11,199 1.9% 11,783 7.3% 12,597 17.1% 12,502 23.5%

2014Q1 10,492 1.4% 11,600 6.7% 12,007 17.0% 11,791 23.0%

2014Q2 10,872 1.4% 11,181 7.4% 11,289 15.8% 11,199 22.4%

2014Q3 9,158 2.0% 9,463 8.1% 9,937 15.5% 9,828 22.4%

2014Q4 11,041 1.9% 12,679 6.5% 12,897 16.4% 13,254 22.7%

2015Q1 13,063 1.2% 14,041 6.5% 14,213 17.0% 14,137 23.4%

2015Q2 13,937 1.6% 14,243 8.6% 14,312 17.9% 14,358 25.2%

2015Q3 14,262 2.2% 14,691 8.9% 14,936 17.8% 14,814 25.7%

2015Q4 11,819 2.2% 12,072 7.5% 12,522 17.5% 12,547 24.6%

2016Q1 12,579 1.3% 13,085 6.6% 13,298 17.4% 13,294 23.8%

2016Q2 12,794 1.6% 13,249 8.0% 13,578 17.7% 12,868 26.2%

2016Q3 12,457 2.0% 12,979 8.4% 13,208 17.7% 4,227 25.9%

2016Q4 10,154 2.0% 10,773 7.0% 10,263 17.5%

2017Q1 8,966 1.4% 9,234 6.5% 2,933 16.5%

2017Q2 7,099 1.5% 6,981 7.4%

2017Q3 1,933 2.2% 1,029 7.4%

2017Q4 238 2.5%

All 190,781 1.7% 200,555 7.5% 190,720 17.2% 167,722 24.2%

25

Mod. Effective 

in: 

Delinquency: Months After Conversion to Permanent Modification 

24 36 48 60

# 90+ Days # 90+ Days # 90+ Days # 90+ Days

2012Q3 1 100.0% 1 100.0% 1 100.0% 1 100.0%

2012Q4 1,256 28.6% 1,282 34.5% 1,249 39.7% 1,169 45.6%

2013Q1 3,009 32.4% 3,231 36.9% 3,132 41.6% 777 47.0%

2013Q2 5,194 29.3% 5,257 34.8% 5,112 40.5%

2013Q3 13,833 28.9% 14,017 34.9% 13,576 40.8%

2013Q4 12,645 28.1% 12,711 34.5% 11,785 42.6%

2014Q1 12,009 27.5% 11,876 34.6% 3,702 41.7%

2014Q2 10,992 27.8% 11,182 34.3%

2014Q3 9,828 27.2% 9,647 35.2%

2014Q4 13,148 27.9% 12,516 37.3%

2015Q1 14,195 29.3% 5,006 37.0%

2015Q2 14,451 30.3%

2015Q3 14,870 30.3%

2015Q4 12,020 30.8%

2016Q1 4,138 29.9%

2016Q2

2016Q3

2016Q4

2017Q1

2017Q2

2017Q3

2017Q4

All 141,589 29.0% 86,726 35.3% 38,557 41.5% 1,947 46.2%
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

26

STREAMLINE HAMP

Mod. Effective 

in: 

Delinquency: Months After Conversion to Permanent Modification 

3 6 12 18

# 90+ Days # 90+ Days # 90+ Days # 90+ Days

2016Q2 5,231 5.7% 5,582 16.1% 5,809 29.0% 5,653 38.1%

2016Q3 11,379 4.7% 11,723 15.2% 11,984 28.4% 6,902 38.7%

2016Q4 8,057 3.3% 8,641 11.9% 8,571 25.8%

2017Q1 10,287 2.2% 10,763 10.5% 3,503 23.8%

2017Q2 4,195 3.3% 4,062 12.9%

2017Q3 734 2.3% 293 10.9%

2017Q4 114 2.6%

All 39,997 3.7% 41,064 13.1% 29,867 27.2% 12,555 38.4%

Appendix 6: Performance of HAMP Modifications by Vintage
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Metropolitan Statistical Area 

Permanent 

Modifications 

Started 

Median Monthly 

Payment 

Reduction 

Median Monthly Payment 

Reduction % of PreModification Payment

Abilene, TX Metropolitan Statistical Area 87 $196.03 34%

Aguadilla-Isabela, PR Metropolitan Statistical Area 250 $234.68 34%

Akron, OH Metropolitan Statistical Area 3,205 $297.41 37%

Albany, GA Metropolitan Statistical Area 437 $243.84 33%

Albany, OR Metropolitan Statistical Area 407 $317.30 31%

Albany-Schenectady-Troy, NY Metropolitan Statistical Area 2,329 $342.98 34%

Albuquerque, NM Metropolitan Statistical Area 4,035 $329.83 33%

Alexandria, LA Metropolitan Statistical Area 233 $252.31 33%

Allentown-Bethlehem-Easton, PA-NJ Metropolitan Statistical Area 5,129 $392.26 34%

Altoona, PA Metropolitan Statistical Area 211 $222.03 34%

Amarillo, TX Metropolitan Statistical Area 186 $260.87 38%

Ames, IA Metropolitan Statistical Area 80 $288.49 34%

Anchorage, AK Metropolitan Statistical Area 648 $487.53 32%

Ann Arbor, MI Metropolitan Statistical Area 1,350 $420.27 36%

Anniston-Oxford-Jacksonville, AL Metropolitan Statistical Area 225 $221.79 32%

Appleton, WI Metropolitan Statistical Area 432 $317.38 35%

Arecibo, PR Metropolitan Statistical Area 247 $253.69 37%

Asheville, NC Metropolitan Statistical Area 1,533 $342.98 34%

Athens-Clarke County, GA Metropolitan Statistical Area 644 $304.52 34%

Atlanta-Sandy Springs-Roswell, GA Metropolitan Statistical Area 49,600 $369.68 37%

Atlantic City-Hammonton, NJ Metropolitan Statistical Area 3,052 $475.95 38%

Auburn-Opelika, AL Metropolitan Statistical Area 323 $272.37 29%

Augusta-Richmond County, GA-SC Metropolitan Statistical Area 1,311 $263.51 36%

Austin-Round Rock, TX Metropolitan Statistical Area 3,302 $322.23 33%

Bakersfield, CA Metropolitan Statistical Area 9,059 $464.47 37%

Baltimore-Columbia-Towson, MD Metropolitan Statistical Area 20,224 $461.24 33%

Bangor, ME Metropolitan Statistical Area 461 $297.57 34%

Barnstable Town, MA Metropolitan Statistical Area 2,099 $599.64 36%

Baton Rouge, LA Metropolitan Statistical Area 3,068 $260.61 32%

Battle Creek, MI Metropolitan Statistical Area 507 $253.01 37%

Bay City, MI Metropolitan Statistical Area 327 $226.92 35%

Beaumont-Port Arthur, TX Metropolitan Statistical Area 470 $224.62 36%

Beckley, WV Metropolitan Statistical Area 117 $195.30 32%

Bellingham, WA Metropolitan Statistical Area 713 $478.26 34%

Bend-Redmond, OR Metropolitan Statistical Area 1,345 $519.70 36%

Billings, MT Metropolitan Statistical Area 187 $305.81 29%

Binghamton, NY Metropolitan Statistical Area 394 $235.26 36%

Birmingham-Hoover, AL Metropolitan Statistical Area 4,483 $281.28 34%

Bismarck, ND Metropolitan Statistical Area 63 $342.59 34%

Blacksburg-Christiansburg-Radford, VA Metropolitan Statistical Area 230 $300.67 33%

Bloomington, IL Metropolitan Statistical Area 277 $282.11 35%

Bloomington, IN Metropolitan Statistical Area 269 $237.69 29%

Bloomsburg-Berwick, PA Metropolitan Statistical Area 117 $255.45 38%

Boise City, ID Metropolitan Statistical Area 3,301 $379.73 34%

Boston-Cambridge-Newton, MA-NH Metropolitan Statistical Area 28,767 $607.05 35%

Boulder, CO Metropolitan Statistical Area 739 $483.20 34%

Bowling Green, KY Metropolitan Statistical Area 225 $243.77 34%

Bremerton-Silverdale, WA Metropolitan Statistical Area 1,156 $460.11 31%

Bridgeport-Stamford-Norwalk, CT Metropolitan Statistical Area 8,063 $683.08 39%

27

Appendix 7: All HAMP Activity by MSA
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Metropolitan Statistical Area 

Permanent 

Modifications 

Started 

Median Monthly 

Payment 

Reduction 

Median Monthly Payment 

Reduction % of PreModification Payment

Brownsville-Harlingen, TX Metropolitan Statistical Area 784 $230.23 35%

Brunswick, GA Metropolitan Statistical Area 317 $327.96 34%

Buffalo-Cheektowaga-Niagara Falls, NY Metropolitan Statistical Area 2,111 $256.44 36%

Burlington, NC Metropolitan Statistical Area 512 $268.65 33%

Burlington-South Burlington, VT Metropolitan Statistical Area 517 $416.69 35%

California-Lexington Park, MD Metropolitan Statistical Area 671 $495.63 30%

Canton-Massillon, OH Metropolitan Statistical Area 1,559 $266.40 36%

Cape Coral-Fort Myers, FL Metropolitan Statistical Area 5,659 $462.34 40%

Cape Girardeau, MO-IL Metropolitan Statistical Area 126 $236.67 33%

Carbondale-Marion, IL Metropolitan Statistical Area 100 $250.10 41%

Carson City, NV Metropolitan Statistical Area 437 $520.56 37%

Casper, WY Metropolitan Statistical Area 152 $340.47 31%

Cedar Rapids, IA Metropolitan Statistical Area 424 $252.96 33%

Chambersburg-Waynesboro, PA Metropolitan Statistical Area 492 $346.28 31%

Champaign-Urbana, IL Metropolitan Statistical Area 263 $242.83 32%

Charleston, WV Metropolitan Statistical Area 184 $220.05 34%

Charleston-North Charleston, SC Metropolitan Statistical Area 3,726 $342.85 34%

Charlotte-Concord-Gastonia, NC-SC Metropolitan Statistical Area 12,371 $305.46 33%

Charlottesville, VA Metropolitan Statistical Area 754 $383.00 31%

Chattanooga, TN-GA Metropolitan Statistical Area 1,734 $274.72 35%

Cheyenne, WY Metropolitan Statistical Area 172 $278.93 27%

Chicago-Naperville-Elgin, IL-IN-WI Metropolitan Statistical Area 87,596 $497.88 40%

Chico, CA Metropolitan Statistical Area 1,291 $451.83 34%

Cincinnati, OH-KY-IN Metropolitan Statistical Area 7,542 $308.07 36%

Clarksville, TN-KY Metropolitan Statistical Area 333 $219.93 32%

Cleveland, TN Metropolitan Statistical Area 287 $267.88 35%

Cleveland-Elyria, OH Metropolitan Statistical Area 10,631 $306.53 38%

Coeur d'Alene, ID Metropolitan Statistical Area 733 $412.62 34%

College Station-Bryan, TX Metropolitan Statistical Area 167 $222.04 29%

Colorado Springs, CO Metropolitan Statistical Area 2,352 $391.63 34%

Columbia, MO Metropolitan Statistical Area 191 $249.34 32%

Columbia, SC Metropolitan Statistical Area 3,284 $263.34 33%

Columbus, GA-AL Metropolitan Statistical Area 964 $268.89 35%

Columbus, IN Metropolitan Statistical Area 150 $209.86 30%

Columbus, OH Metropolitan Statistical Area 6,715 $312.07 36%

Corpus Christi, TX Metropolitan Statistical Area 545 $240.41 34%

Corvallis, OR Metropolitan Statistical Area 120 $362.93 27%

Crestview-Fort Walton Beach-Destin, FL Metropolitan Statistical Area 1,097 $411.30 35%

Cumberland, MD-WV Metropolitan Statistical Area 198 $245.12 33%

Dallas-Fort Worth-Arlington, TX Metropolitan Statistical Area 19,043 $290.14 33%

Dalton, GA Metropolitan Statistical Area 533 $258.06 34%

Danville, IL Metropolitan Statistical Area 78 $206.39 39%

Danville, VA Metropolitan Statistical Area 3 $361.89 48%

Daphne-Fairhope-Foley, AL Metropolitan Statistical Area 682 $332.50 33%

Davenport-Moline-Rock Island, IA-IL Metropolitan Statistical Area 700 $235.27 36%

Dayton, OH Metropolitan Statistical Area 2,548 $266.56 37%

Decatur, AL Metropolitan Statistical Area 239 $216.98 30%

Decatur, IL Metropolitan Statistical Area 129 $208.66 36%

Deltona-Daytona Beach-Ormond Beach, FL Metropolitan Statistical Area 6,949 $382.05 37%

28

Appendix 7: All HAMP Activity by MSA
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Metropolitan Statistical Area 

Permanent 

Modifications 

Started 

Median Monthly 

Payment 

Reduction 

Median Monthly Payment 

Reduction % of PreModification Payment

Denver-Aurora-Lakewood, CO Metropolitan Statistical Area 13,483 $403.94 33%

Des Moines-West Des Moines, IA Metropolitan Statistical Area 1,737 $270.72 33%

Detroit-Warren-Dearborn, MI Metropolitan Statistical Area 27,920 $371.74 39%

Dothan, AL Metropolitan Statistical Area 239 $214.12 30%

Dover, DE Metropolitan Statistical Area 1,115 $384.73 30%

Dubuque, IA Metropolitan Statistical Area 127 $240.41 33%

Duluth, MN-WI Metropolitan Statistical Area 796 $284.63 34%

Durham-Chapel Hill, NC Metropolitan Statistical Area 1,653 $312.80 34%

East Stroudsburg, PA Metropolitan Statistical Area 2,521 $451.99 38%

Eau Claire, WI Metropolitan Statistical Area 279 $283.03 32%

El Centro, CA Metropolitan Statistical Area 1,687 $431.72 35%

Elizabethtown-Fort Knox, KY Metropolitan Statistical Area 208 $232.32 31%

Elkhart-Goshen, IN Metropolitan Statistical Area 698 $251.87 33%

Elmira, NY Metropolitan Statistical Area 163 $251.66 40%

El Paso, TX Metropolitan Statistical Area 1,785 $248.76 35%

Enid, OK Metropolitan Statistical Area 38 $204.03 30%

Erie, PA Metropolitan Statistical Area 517 $234.30 38%

Eugene, OR Metropolitan Statistical Area 1,384 $383.21 34%

Evansville, IN-KY Metropolitan Statistical Area 545 $217.55 33%

Fairbanks, AK Metropolitan Statistical Area 79 $382.13 27%

Fargo, ND-MN Metropolitan Statistical Area 210 $276.79 31%

Farmington, NM Metropolitan Statistical Area 155 $301.31 28%

Fayetteville, NC Metropolitan Statistical Area 873 $233.04 34%

Fayetteville-Springdale-Rogers, AR-MO Metropolitan Statistical Area 1,322 $290.14 34%

Flagstaff, AZ Metropolitan Statistical Area 369 $504.80 34%

Flint, MI Metropolitan Statistical Area 2,043 $321.30 37%

Florence, SC Metropolitan Statistical Area 667 $226.08 34%

Florence-Muscle Shoals, AL Metropolitan Statistical Area 193 $209.68 35%

Fond du Lac, WI Metropolitan Statistical Area 207 $301.68 35%

Fort Collins, CO Metropolitan Statistical Area 958 $405.32 32%

Fort Smith, AR-OK Metropolitan Statistical Area 299 $206.15 31%

Fort Wayne, IN Metropolitan Statistical Area 1,093 $245.09 36%

Fresno, CA Metropolitan Statistical Area 9,773 $471.00 37%

Gadsden, AL Metropolitan Statistical Area 213 $241.06 33%

Gainesville, FL Metropolitan Statistical Area 853 $330.00 37%

Gainesville, GA Metropolitan Statistical Area 1,235 $329.50 36%

Gettysburg, PA Metropolitan Statistical Area 465 $397.65 33%

Glens Falls, NY Metropolitan Statistical Area 474 $315.01 36%

Goldsboro, NC Metropolitan Statistical Area 251 $233.15 35%

Grand Forks, ND-MN Metropolitan Statistical Area 74 $230.39 30%

Grand Island, NE Metropolitan Statistical Area 67 $208.92 31%

Grand Junction, CO Metropolitan Statistical Area 644 $401.38 32%

Grand Rapids-Wyoming, MI Metropolitan Statistical Area 3,597 $284.70 34%

Grants Pass, OR Metropolitan Statistical Area 512 $467.84 36%

Great Falls, MT Metropolitan Statistical Area 90 $258.55 29%

Greeley, CO Metropolitan Statistical Area 1,231 $353.79 30%

Green Bay, WI Metropolitan Statistical Area 670 $339.95 38%

Greensboro-High Point, NC Metropolitan Statistical Area 3,171 $284.92 35%

Greenville, NC Metropolitan Statistical Area 450 $284.07 36%

Greenville-Anderson-Mauldin, SC Metropolitan Statistical Area 2,897 $258.30 33%

29

Appendix 7: All HAMP Activity by MSA
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Metropolitan Statistical Area Permanent 

Modifications Started 

Median Monthly 

Payment 

Reduction 

Median Monthly 

Payment Reduction % of 

Pre-Modification 

Payment

Guayama, PR Metropolitan Statistical Area 57 $171.27 33%

Gulfport-Biloxi-Pascagoula, MS Metropolitan Statistical Area 1,068 $265.52 35%

Hagerstown-Martinsburg, MD-WV Metropolitan Statistical Area 1,849 $421.38 32%

Hammond, LA Metropolitan Statistical Area 394 $279.75 32%

Hanford-Corcoran, CA Metropolitan Statistical Area 1,053 $417.55 34%

Harrisburg-Carlisle, PA Metropolitan Statistical Area 1,439 $294.29 32%

Harrisonburg, VA Metropolitan Statistical Area 287 $390.06 34%

Hartford-West Hartford-East Hartford, CT Metropolitan Statistical Area 6,969 $445.92 36%

Hattiesburg, MS Metropolitan Statistical Area 292 $234.68 32%

Hickory-Lenoir-Morganton, NC Metropolitan Statistical Area 1,261 $247.76 33%

Hilton Head Island-Bluffton-Beaufort, SC Metropolitan Statistical Area 948 $460.38 37%

Hinesville, GA Metropolitan Statistical Area 162 $263.74 35%

Homosassa Springs, FL Metropolitan Statistical Area 765 $321.79 38%

Hot Springs, AR Metropolitan Statistical Area 185 $312.91 39%

Houma-Thibodaux, LA Metropolitan Statistical Area 377 $256.98 34%

Houston-The Woodlands-Sugar Land, TX Metropolitan Statistical Area 20,332 $281.09 34%

Huntington-Ashland, WV-KY-OH Metropolitan Statistical Area 429 $233.16 35%

Huntsville, AL Metropolitan Statistical Area 806 $240.92 32%

Idaho Falls, ID Metropolitan Statistical Area 349 $280.14 29%

Indianapolis-Carmel-Anderson, IN Metropolitan Statistical Area 6,827 $270.59 33%

Iowa City, IA Metropolitan Statistical Area 118 $318.31 32%

Ithaca, NY Metropolitan Statistical Area 69 $339.73 34%

Jackson, MI Metropolitan Statistical Area 728 $290.85 37%

Jackson, MS Metropolitan Statistical Area 2,192 $249.72 33%

Jackson, TN Metropolitan Statistical Area 417 $236.32 35%

Jacksonville, FL Metropolitan Statistical Area 11,798 $362.63 35%

Jacksonville, NC Metropolitan Statistical Area 222 $265.86 30%

Janesville-Beloit, WI Metropolitan Statistical Area 663 $263.31 34%

Jefferson City, MO Metropolitan Statistical Area 179 $204.49 30%

Johnson City, TN Metropolitan Statistical Area 330 $252.73 34%

Johnstown, PA Metropolitan Statistical Area 152 $232.05 37%

Jonesboro, AR Metropolitan Statistical Area 114 $216.50 33%

Joplin, MO Metropolitan Statistical Area 282 $206.29 33%

Kahului-Wailuku-Lahaina, HI Metropolitan Statistical Area 1,333 $967.79 36%

Kalamazoo-Portage, MI Metropolitan Statistical Area 1,007 $301.64 37%

Kankakee, IL Metropolitan Statistical Area 501 $336.94 38%

Kansas City, MO-KS Metropolitan Statistical Area 6,851 $310.41 35%

Kennewick-Richland, WA Metropolitan Statistical Area 458 $273.70 32%

Killeen-Temple, TX Metropolitan Statistical Area 378 $232.57 33%

Kingsport-Bristol-Bristol, TN-VA Metropolitan Statistical Area 468 $241.23 35%

Kingston, NY Metropolitan Statistical Area 1,193 $484.78 38%

Knoxville, TN Metropolitan Statistical Area 2,257 $256.12 31%

Kokomo, IN Metropolitan Statistical Area 249 $234.63 35%

La Crosse-Onalaska, WI-MN Metropolitan Statistical Area 169 $263.96 30%

Lafayette, LA Metropolitan Statistical Area 866 $241.77 32%

Lafayette-West Lafayette, IN Metropolitan Statistical Area 309 $264.01 35%

Lake Charles, LA Metropolitan Statistical Area 326 $229.21 33%

Lake Havasu City-Kingman, AZ Metropolitan Statistical Area 1,399 $401.25 36%

Lakeland-Winter Haven, FL Metropolitan Statistical Area 5,146 $358.76 37%

Lancaster, PA Metropolitan Statistical Area 1,334 $306.12 31%

30

Appendix 7: All HAMP Activity by MSA
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Metropolitan Statistical Area 

Permanent 

Modifications 

Started 

Median Monthly 

Payment 

Reduction 

Median Monthly Payment 

Reduction % of PreModification Payment

Lansing-East Lansing, MI Metropolitan Statistical Area 1,762 $315.09 36%

Laredo, TX Metropolitan Statistical Area 679 $286.94 37%

Las Cruces, NM Metropolitan Statistical Area 445 $326.21 33%

Las Vegas-Henderson-Paradise, NV Metropolitan Statistical Area 29,251 $519.57 38%

Lawrence, KS Metropolitan Statistical Area 188 $328.91 33%

Lawton, OK Metropolitan Statistical Area 135 $215.80 36%

Lebanon, PA Metropolitan Statistical Area 324 $290.55 31%

Lewiston, ID-WA Metropolitan Statistical Area 114 $261.17 27%

Lewiston-Auburn, ME Metropolitan Statistical Area 398 $330.45 35%

Lexington-Fayette, KY Metropolitan Statistical Area 974 $283.57 34%

Lima, OH Metropolitan Statistical Area 275 $248.49 41%

Lincoln, NE Metropolitan Statistical Area 441 $265.84 33%

Little Rock-North Little Rock-Conway, AR Metropolitan Statistical Area 1,556 $245.46 33%

Logan, UT-ID Metropolitan Statistical Area 230 $309.26 28%

Longview, TX Metropolitan Statistical Area 194 $223.00 33%

Longview, WA Metropolitan Statistical Area 483 $366.34 32%

Los Angeles-Long Beach-Anaheim, CA Metropolitan Statistical Area 119,681 $787.92 37%

Louisville/Jefferson County, KY-IN Metropolitan Statistical Area 3,902 $266.72 34%

Lubbock, TX Metropolitan Statistical Area 234 $230.39 34%

Lynchburg, VA Metropolitan Statistical Area 563 $247.01 29%

Macon, GA Metropolitan Statistical Area 1,078 $275.79 37%

Madera, CA Metropolitan Statistical Area 1,823 $502.86 38%

Madison, WI Metropolitan Statistical Area 1,369 $385.79 34%

Manchester-Nashua, NH Metropolitan Statistical Area 2,411 $471.71 34%

Manhattan, KS Metropolitan Statistical Area 65 $324.16 32%

Mankato-North Mankato, MN Metropolitan Statistical Area 174 $310.93 31%

Mansfield, OH Metropolitan Statistical Area 381 $241.50 35%

Mayaguez, PR Metropolitan Statistical Area 97 $201.99 34%

McAllen-Edinburg-Mission, TX Metropolitan Statistical Area 1,662 $256.15 36%

Medford, OR Metropolitan Statistical Area 1,384 $458.41 35%

Memphis, TN-MS-AR Metropolitan Statistical Area 9,261 $290.14 37%

Merced, CA Metropolitan Statistical Area 2,662 $527.62 38%

Miami-Fort Lauderdale-West Palm Beach, FL Metropolitan Statistical Area 88,786 $524.67 41%

Michigan City-La Porte, IN Metropolitan Statistical Area 442 $253.89 35%

Midland, MI Metropolitan Statistical Area 181 $266.89 36%

Midland, TX Metropolitan Statistical Area 100 $259.49 32%

Milwaukee-Waukesha-West Allis, WI Metropolitan Statistical Area 7,090 $349.24 37%

Minneapolis-St. Paul-Bloomington, MN-WI Metropolitan Statistical Area 20,502 $444.28 36%

Missoula, MT Metropolitan Statistical Area 284 $423.47 33%

Mobile, AL Metropolitan Statistical Area 1,531 $261.33 37%

Modesto, CA Metropolitan Statistical Area 7,214 $551.28 37%

Monroe, LA Metropolitan Statistical Area 285 $204.46 30%

Monroe, MI Metropolitan Statistical Area 818 $354.54 35%

Montgomery, AL Metropolitan Statistical Area 1,067 $245.61 32%

Morgantown, WV Metropolitan Statistical Area 64 $379.46 40%

Morristown, TN Metropolitan Statistical Area 306 $258.81 34%

Mount Vernon-Anacortes, WA Metropolitan Statistical Area 555 $499.06 36%

Muncie, IN Metropolitan Statistical Area 233 $218.78 35%

Muskegon, MI Metropolitan Statistical Area 698 $244.19 37%

Myrtle Beach-Conway-North Myrtle Beach, SC-NC Metropolitan Statistical Area 2,157 $370.66 36%

31

Appendix 7: All HAMP Activity by MSA
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Metropolitan Statistical Area 

Permanent 

Modifications 

Started 

Median Monthly 

Payment 

Reduction 

Median Monthly Payment 

Reduction % of PreModification Payment

Napa, CA Metropolitan Statistical Area 1,264 $798.43 34%

Naples-Immokalee-Marco Island, FL Metropolitan Statistical Area 2,707 $598.29 41%

Nashville-Davidson--Murfreesboro--Franklin, TN Metropolitan Statistical Area 6,122 $308.69 33%

New Bern, NC Metropolitan Statistical Area 216 $285.01 37%

New Haven-Milford, CT Metropolitan Statistical Area 6,908 $466.20 37%

New Orleans-Metairie, LA Metropolitan Statistical Area 5,332 $322.72 36%

New York-Newark-Jersey City, NY-NJ-PA Metropolitan Statistical Area 133,460 $765.29 39%

Niles-Benton Harbor, MI Metropolitan Statistical Area 569 $281.75 36%

North Port-Sarasota-Bradenton, FL Metropolitan Statistical Area 5,888 $463.10 39%

Norwich-New London, CT Metropolitan Statistical Area 1,700 $468.87 37%

Ocala, FL Metropolitan Statistical Area 2,868 $350.96 37%

Ocean City, NJ Metropolitan Statistical Area 719 $464.98 33%

Odessa, TX Metropolitan Statistical Area 84 $239.03 36%

Ogden-Clearfield, UT Metropolitan Statistical Area 2,074 $341.38 28%

Oklahoma City, OK Metropolitan Statistical Area 2,375 $254.65 34%

Olympia-Tumwater, WA Metropolitan Statistical Area 1,208 $430.88 32%

Omaha-Council Bluffs, NE-IA Metropolitan Statistical Area 2,139 $270.89 34%

Orlando-Kissimmee-Sanford, FL Metropolitan Statistical Area 29,878 $445.19 38%

Oshkosh-Neenah, WI Metropolitan Statistical Area 319 $277.32 35%

Owensboro, KY Metropolitan Statistical Area 162 $193.67 34%

Oxnard-Thousand Oaks-Ventura, CA Metropolitan Statistical Area 8,395 $817.86 35%

Palm Bay-Melbourne-Titusville, FL Metropolitan Statistical Area 5,114 $390.40 38%

Panama City, FL Metropolitan Statistical Area 770 $384.91 37%

Parkersburg-Vienna, WV Metropolitan Statistical Area 93 $173.58 30%

Pensacola-Ferry Pass-Brent, FL Metropolitan Statistical Area 2,033 $304.64 35%

Peoria, IL Metropolitan Statistical Area 594 $224.41 35%

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metropolitan Statistical Area 35,476 $381.41 33%

Phoenix-Mesa-Scottsdale, AZ Metropolitan Statistical Area 45,308 $453.33 37%

Pine Bluff, AR Metropolitan Statistical Area 121 $224.21 37%

Pittsburgh, PA Metropolitan Statistical Area 5,798 $264.06 36%

Pittsfield, MA Metropolitan Statistical Area 314 $328.03 33%

Pocatello, ID Metropolitan Statistical Area 197 $260.80 32%

Ponce, PR Metropolitan Statistical Area 245 $218.60 35%

Portland-South Portland, ME Metropolitan Statistical Area 2,936 $434.67 35%

Portland-Vancouver-Hillsboro, OR-WA Metropolitan Statistical Area 12,713 $468.71 34%

Port St. Lucie, FL Metropolitan Statistical Area 5,719 $447.79 39%

Prescott, AZ Metropolitan Statistical Area 1,428 $438.19 36%

Providence-Warwick, RI-MA Metropolitan Statistical Area 12,834 $519.00 37%

Provo-Orem, UT Metropolitan Statistical Area 2,735 $449.65 31%

Pueblo, CO Metropolitan Statistical Area 737 $262.12 34%

Punta Gorda, FL Metropolitan Statistical Area 1,358 $436.57 41%

Racine, WI Metropolitan Statistical Area 868 $355.72 36%

Raleigh, NC Metropolitan Statistical Area 4,153 $332.82 32%

Rapid City, SD Metropolitan Statistical Area 180 $315.83 34%

Reading, PA Metropolitan Statistical Area 1,696 $326.00 33%

Redding, CA Metropolitan Statistical Area 1,274 $441.06 34%

Reno, NV Metropolitan Statistical Area 4,302 $520.03 35%

Richmond, VA Metropolitan Statistical Area 6,741 $360.65 32%

Riverside-San Bernardino-Ontario, CA Metropolitan Statistical Area 73,424 $621.73 37%

Roanoke, VA Metropolitan Statistical Area 943 $277.62 32%

32

Appendix 7: All HAMP Activity by MSA
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Metropolitan Statistical Area 

Permanent 

Modifications 

Started 

Median Monthly 

Payment 

Reduction 

Median Monthly Payment 

Reduction % of PreModification Payment

Rochester, MN Metropolitan Statistical Area 482 $323.37 33%

Rochester, NY Metropolitan Statistical Area 2,212 $257.28 36%

Rockford, IL Metropolitan Statistical Area 1,678 $316.06 38%

Rocky Mount, NC Metropolitan Statistical Area 515 $247.03 36%

Rome, GA Metropolitan Statistical Area 209 $237.07 32%

Sacramento--Roseville--Arden-Arcade, CA Metropolitan Statistical Area 24,622 $601.34 36%

Saginaw, MI Metropolitan Statistical Area 564 $263.57 38%

St. Cloud, MN Metropolitan Statistical Area 539 $327.33 32%

St. George, UT Metropolitan Statistical Area 1,125 $523.81 36%

St. Joseph, MO-KS Metropolitan Statistical Area 235 $239.62 37%

St. Louis, MO-IL Metropolitan Statistical Area 13,150 $298.00 36%

Salem, OR Metropolitan Statistical Area 1,872 $378.82 34%

Salinas, CA Metropolitan Statistical Area 3,821 $856.82 39%

Salisbury, MD-DE Metropolitan Statistical Area 2,167 $406.68 34%

Salt Lake City, UT Metropolitan Statistical Area 6,238 $412.74 32%

San Angelo, TX Metropolitan Statistical Area 74 $217.88 33%

San Antonio-New Braunfels, TX Metropolitan Statistical Area 4,371 $250.66 33%

San Diego-Carlsbad, CA Metropolitan Statistical Area 26,778 $745.47 35%

Sandusky, OH Metropolitan Statistical Area 2 $388.53 41%

San Francisco-Oakland-Hayward, CA Metropolitan Statistical Area 32,322 $851.23 37%

San German, PR Metropolitan Statistical Area 121 $203.34 33%

San Jose-Sunnyvale-Santa Clara, CA Metropolitan Statistical Area 10,397 $938.84 36%

San Juan-Carolina-Caguas, PR Metropolitan Statistical Area 4,445 $290.85 37%

San Luis Obispo-Paso Robles-Arroyo Grande, CA Metropolitan Statistical Area 1,702 $756.09 36%

Santa Cruz-Watsonville, CA Metropolitan Statistical Area 1,696 $967.55 38%

Santa Fe, NM Metropolitan Statistical Area 708 $516.23 36%

Santa Maria-Santa Barbara, CA Metropolitan Statistical Area 2,903 $724.80 37%

Santa Rosa, CA Metropolitan Statistical Area 4,408 $793.94 36%

Savannah, GA Metropolitan Statistical Area 1,587 $314.15 34%

Scranton--Wilkes-Barre--Hazleton, PA Metropolitan Statistical Area 1,865 $276.74 37%

Seattle-Tacoma-Bellevue, WA Metropolitan Statistical Area 22,854 $546.88 34%

Sebastian-Vero Beach, FL Metropolitan Statistical Area 1,262 $397.46 38%

Sebring, FL Metropolitan Statistical Area 580 $361.53 40%

Sheboygan, WI Metropolitan Statistical Area 258 $279.81 32%

Sherman-Denison, TX Metropolitan Statistical Area 197 $242.39 33%

Shreveport-Bossier City, LA Metropolitan Statistical Area 1,085 $243.59 34%

Sierra Vista-Douglas, AZ Metropolitan Statistical Area 336 $307.72 32%

Sioux City, IA-NE-SD Metropolitan Statistical Area 250 $228.72 36%

Sioux Falls, SD Metropolitan Statistical Area 278 $239.93 28%

South Bend-Mishawaka, IN-MI Metropolitan Statistical Area 1,210 $255.64 37%

Spartanburg, SC Metropolitan Statistical Area 1,108 $242.78 33%

Spokane-Spokane Valley, WA Metropolitan Statistical Area 1,908 $317.40 32%

Springfield, IL Metropolitan Statistical Area 253 $240.21 38%

Springfield, MA Metropolitan Statistical Area 3,276 $352.31 34%

Springfield, MO Metropolitan Statistical Area 882 $263.15 34%

Springfield, OH Metropolitan Statistical Area 440 $263.34 39%

State College, PA Metropolitan Statistical Area 195 $322.09 32%

Staunton-Waynesboro, VA Metropolitan Statistical Area 301 $292.44 28%

Stockton-Lodi, CA Metropolitan Statistical Area 10,217 $632.33 37%

Sumter, SC Metropolitan Statistical Area 279 $217.12 34%

Syracuse, NY Metropolitan Statistical Area 1,064 $254.29 36%

33

Appendix 7: All HAMP Activity by MSA
Making Home Affordable: Appendix 

Program Performance Report through the Fourth Quarter 2017

Metropolitan Statistical Area 

Permanent 

Modifications 

Started 

Median Monthly 

Payment 

Reduction 

Median Monthly 

Payment Reduction % of 

Pre-Modification 

Payment

Tallahassee, FL Metropolitan Statistical Area 1,585 $318.21 31%

Tampa-St. Petersburg-Clearwater, FL Metropolitan Statistical Area 25,842 $394.32 38%

Terre Haute, IN Metropolitan Statistical Area 247 $212.82 39%

Texarkana, TX-AR Metropolitan Statistical Area 142 $195.34 29%

The Villages, FL Metropolitan Statistical Area 262 $326.60 34%

Toledo, OH Metropolitan Statistical Area 2,521 $265.52 37%

Topeka, KS Metropolitan Statistical Area 367 $232.89 32%

Trenton, NJ Metropolitan Statistical Area 2,148 $468.20 37%

Tucson, AZ Metropolitan Statistical Area 6,804 $358.24 35%

Tulsa, OK Metropolitan Statistical Area 1,886 $251.21 35%

Tuscaloosa, AL Metropolitan Statistical Area 462 $279.68 33%

Tyler, TX Metropolitan Statistical Area 303 $292.11 35%

Urban Honolulu, HI Metropolitan Statistical Area 3,366 $748.88 31%

Utica-Rome, NY Metropolitan Statistical Area 495 $246.27 37%

Valdosta, GA Metropolitan Statistical Area 247 $269.29 32%

Vallejo-Fairfield, CA Metropolitan Statistical Area 7,023 $711.67 36%

Victoria, TX Metropolitan Statistical Area 61 $226.10 37%

Vineland-Bridgeton, NJ Metropolitan Statistical Area 971 $354.89 36%

Virginia Beach-Norfolk-Newport News, VA-NC Metropolitan Statistical Area 8,631 $386.86 32%

Visalia-Porterville, CA Metropolitan Statistical Area 4,266 $417.81 36%

Waco, TX Metropolitan Statistical Area 265 $208.87 34%

Walla Walla, WA Metropolitan Statistical Area 131 $369.45 35%

Warner Robins, GA Metropolitan Statistical Area 438 $273.77 35%

Washington-Arlington-Alexandria, DC-VA-MD-WV Metropolitan Statistical Area 56,918 $627.86 35%

Waterloo-Cedar Falls, IA Metropolitan Statistical Area 271 $213.10 36%

Watertown-Fort Drum, NY Metropolitan Statistical Area 98 $222.71 31%

Wausau, WI Metropolitan Statistical Area 228 $291.91 36%

Weirton-Steubenville, WV-OH Metropolitan Statistical Area 196 $218.24 37%

Wenatchee, WA Metropolitan Statistical Area 343 $377.39 31%

Wheeling, WV-OH Metropolitan Statistical Area 157 $194.54 35%

Wichita, KS Metropolitan Statistical Area 1,040 $238.30 35%

Wichita Falls, TX Metropolitan Statistical Area 102 $180.32 32%

Williamsport, PA Metropolitan Statistical Area 209 $198.38 30%

Wilmington, NC Metropolitan Statistical Area 1,161 $386.62 35%

Winchester, VA-WV Metropolitan Statistical Area 897 $453.07 32%

Winston-Salem, NC Metropolitan Statistical Area 2,368 $270.08 33%

Worcester, MA-CT Metropolitan Statistical Area 6,893 $486.30 36%

Yakima, WA Metropolitan Statistical Area 531 $271.66 33%

York-Hanover, PA Metropolitan Statistical Area 2,023 $353.92 32%

Youngstown-Warren-Boardman, OH-PA Metropolitan Statistical Area 1,674 $251.70 37%

Yuba City, CA Metropolitan Statistical Area 1,566 $494.79 36%

Yuma, AZ Metropolitan Statistical Area 1,328 $332.70 35%

34

Appendix 7: All HAMP Activity by MSA