Making Home Affordable

Program Performance Report Third Quarter 2014

PROGRAM PERFORMANCE REPORT 

THROUGH THE THIRD QUARTER OF 2014
More than 2.2 Million Homeowner Assistance Actions have taken place under 

Making Home Affordable (MHA) programs

2

MHA AT-A-GLANCE

1MP

Q3: 58K

PTD: 1.7M

See Page 4

THIRD QUARTER 2014 SERVICER ASSESSMENT RESULTS

Treasury recently made enhancements to programs under Making Home Affordable (MHA) to 

better assist struggling homeowners and communities still recovering from the effects of the 

financial crisis. HAMP homeowners are now eligible to earn incentives of up to $10,000 to 

reduce their outstanding principal balance, among other enhancements. For more information, 

please see the press release. 

2MP

Q3: 4K

 PTD: 142K

See Page 8

HAFA

Q3: 21K

PTD: 323K

See Page 9

UP

Q3: .8K

PTD: 41K

See Page 9

SERVICER

MINOR 

IMPROVEMENT 

NEEDED

MODERATE 

IMPROVEMENT 

NEEDED

SUBSTANTIAL 

IMPROVEMENT 

NEEDED

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. 

QUARTERLY PROGRAM VOLUMES FOR THE THIRD QUARTER OF 2014

(Months of July, August and September)

See page 12 for additional information and detailed results for this quarter.
Making Home Affordable

Program Performance Report Third Quarter 2014

Table of Contents

MHA PROGRAM UPDATES 4

HAMP PROGRAM RESULTS:

HAMP Summary 5

Performance of Permanent HAMP Tier 1 Modifications 6

Homeowners with Disqualified Modifications 7

OTHER MHA PROGRAMS:

 Principal Reduction Alternative/2MP Program 8

 HAFA Program/Unemployment Program 9

RESULTS BY SERVICER:

MHA Program Activity by Servicer and Investor 10

Servicer Assessment Results 11-17

APPENDIX:

Program and Servicer Assessment Notes 18-21

 Terms and Methodologies 22

End Notes 23

 HAMP Activity by State 24

 HAMP Tier 1 Scheduled Interest Rate Increases by State 25-26

HAMP Tier 1 Performance Data by Vintage 27

 HAMP Activity by MSA 28-34

Note: For more information and quarterly updates on the Hardest Hit Fund, please visit the website for the Hardest Hit Fund or 

the TARP Monthly Report to Congress. 

For information and quarterly updates on efforts taken by the Government Sponsored Enterprises (GSEs) beyond their 

participation in MHA that are not reflected in this report please visit the Federal Housing Finance Agency’s Foreclosure 

Prevention Report. 

For more information on efforts undertaken by the Federal Housing Administration (FHA) please visit its website. 3
Making Home Affordable

Program Performance Report Third Quarter 2014

The following table shows the program-to-date as well as this quarter’s activity for the various MHA programs 

Program-to-Date Q3 2014 QoQ % Change

MHA First Lien Permanent Modifications Started 1,695,306 58,367 -3%

HAMP Tier 1 1,345,522 19,536 -10%

HAMP Tier 2 71,183 9,848 -22%

GSE Standard Modifications (SAI) 223,298 15,021 -5%

Treasury FHA and RD HAMP 55,303 13,962 42%

2MP Modifications Started 141,697 4,411 -25%

HAFA Transactions Completed 323,287 21,256 0%

UP Forbearance Plans Started 41,471 816 -27%

Cumulative Activity 2,201,761 84,850 -4%

MHA Program Updates

1.5

2.0

2.5

3.0

3.5

4.0

0

10

20

30

40

50

60

70

80

Q1 2013 Q2 2013 Q3 2013 Q4 2013 Q1 2014 Q2 2014 Q3 2014

Delinquent Loans

(Millions)

Permanent Modifications 

(Thousands)

Quarterly Trending of MHA Permanent Modifications Started 

& Estimated Number of Loans 60+ Days Delinquent*

HAMP TIER 1 NON-GSE HAMP TIER 1 GSE HAMP TIER 2 GSE SAI FHA/RD-HAMP 60+ Days DLQ

4

*Derived from the Mortgage Bankers Association Quarterly National Delinquency Survey

• As part of the recently announced enhancements to MHA, Treasury increased the amount of relocation 

assistance provided to homeowners in the Home Affordable Foreclosure Alternatives® (HAFA) Program, to 

$10,000. In addition, the interest rate for HAMP Tier 2 is reduced by 50 basis points and all homeowners in 

HAMP will now be eligible for a $5,000 incentive if they are in good standing at the end of the sixth year of 

their modification. For more information, please see the press release.

• To increase awareness of the MHA Program’s free resources and assistance for struggling homeowners, 

Treasury and HUD in conjunction with the Ad Council recently launched a series of public service 

advertisements (PSAs) under its Foreclosure Prevention Assistance campaign. Per the Ad Council model, all 

PSAs will be aired and run in airtime and space donated by media organizations. Since the campaign was 

launched in 2010, media outlets have donated more than $135 million in airtime and space.

• For the third quarter of 2014, servicers either showed sustained performance or improvements in 

performance, with the exception of one servicer that moved out of the “minor improvement” category and 

into the “moderate improvement” category. One servicer’s performance improved from requiring 

“substantial improvement” in the prior quarter to requiring “moderate improvement.” This and other factors 

will result in the release of previously withheld incentives for this servicer. Also, this quarter’s results indicate 

that some servicers need to continue to make improvements in the area of accurate identification and 

reporting of disqualified modifications.
Making Home Affordable: HAMP Program Results

Program Performance Report Third Quarter 2014

HAMP Summary

Trial

Modifications

All Trials Started1 2,246,680

 Tier 1 2,152,694

 Tier 2 93,986

Active Trials 41,393

Trial Modifications Cancelled since Verified Income Requirement* 88,119

Permanent 

Modifications

All Permanent Modifications Started 1,416,705

Permanent Modifications Disqualified (Cumulative)** 419,401

Active Permanent Modifications 961,648

5

* When Treasury launched HAMP in the spring of 2009, the housing crisis was severe. The number of homeowners already in default was 

high and servicers had not yet built systems to fully implement a national mortgage modification program. 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. Prior to that date, 700,463 trials were cancelled, for a 

cumulative 788,582 trials cancelled program-to-date. 

** Does not include 35,656 loans paid off.

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.

• 22% were referred to foreclosure.

Outcome for Homeowners Who Do Not Receive a HAMP Modification

5%

3%

32%

25%

12%

5%

18%

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 servicers3
Making Home Affordable: HAMP Program Results

Program Performance Report Third Quarter 2014

Performance of HAMP Tier 1 Permanent Modifications 

The longer a homeowner remains 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.

# Months 

Post 

Modification 

% of Disqualified Modifications2

2009 2010 2011 2012 2013 Q1 2014 Q2 2014 Q3 2014 ALL

3 2.1% 1.7% 1.2% 1.0% 0.9% 0.9% 1.1% 1.0% 1.4%

6 6.7% 6.7% 5.3% 4.3% 3.9% 3.9% 4.9% 5.6%

12 16.2% 15.5% 12.7% 10.3% 9.4% 13.4%

18 22.9% 22.7% 18.9% 15.3% 14.1% 20.0%

24 28.8% 28.0% 23.7% 19.3% 25.5%

30 33.3% 32.6% 27.3% 23.1% 30.2%

36 37.5% 36.6% 30.5% 34.6%

42 41.0% 39.3% 34.1% 38.6%

48 43.5% 41.9% 42.1%

54 45.9% 45.4% 45.5%

Performance of HAMP modifications has improved over time. For modifications seasoned 24 months, 23.7% of 

modifications started in 2011 have disqualified, compared to 28.8% of modifications started in 2009. Compared with 

other non-HAMP modifications, HAMP modifications continue to exhibit lower delinquency and re-default rates than 

industry modifications, as reported in the latest report by the Office of the Comptroller of the Currency.

The table below shows the performance of HAMP permanent modifications at various seasoning points for those 

modifications that have aged to, or past, the number of months noted. 

1%

2%

3%

4%

5%

6%

7%

8%

Month

6

Month

9

Month

12

Month

15

Month

18

Month

21

Month

24

Month

27

Month

30

Month

33

Month

36

Month

39

Month

42

Month

45

Month

48

Month

51

Month

54

3-Month Re-default Rate

Months After Conversion to Permanent Modification

Conditional Re-default Rate by Modification Year

(% of Active Loans) 2009

2010

2011

2012

2013

6

See Appendix 6 for additional information on HAMP Tier 1 performance by vintage.
Making Home Affordable: HAMP Program Results

Program Performance Report Third Quarter 2014

Homeowners with Disqualified HAMP Permanent Modifications

7

11%

5%

13%

33%

13%

9%

16%

Status of Disqualified HAMP Permanent Modifications 

Action Pending

Action Not Allowed – Bankruptcy in 

Process 

Borrower Current/Loan Pay off

Alternative Modification/ Payment Plan

Short Sale / Deed-in-Lieu

Foreclosure Starts

Foreclosure Completions

Homeowners now have alternatives due to industry-wide changes instituted since the launch of HAMP. In addition, 

HAMP guidance requires that a servicer work with a delinquent homeowner in a permanent modification to cure the 

delinquency. In the event the homeowner cannot bring a delinquent HAMP modification current without additional 

assistance, the servicer is prohibited from commencing foreclosure proceedings until the homeowner is evaluated for 

other loss mitigation action. 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 

other 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 servicers3
Making Home Affordable: Other MHA Programs

Program Performance Report Third Quarter 2014

HAMP 

Modifications with 

Earned Principal 

Reduction Under 

PRA4

HAMP 

Modifications with 

Upfront Principal 

Reduction Outside 

of PRA

Total HAMP 

Modifications with 

Principal 

Reduction

All Permanent Modifications Started 163,951 47,491 211,442

Active Permanent Modifications 130,592 38,107 168,699

Median Principal Amount Reduced for Permanent 

Modifications5 $68,861 $55,145 $64,906 

Median Principal Amount Reduced for Permanent 

Modifications (%)6 32.3% 18.0% 30.4%

Total Outstanding Principal Balance Reduced on Permanent 

Modifications5 $14,754,337,376 $3,188,193,970 $17,942,531,346 

The HAMP Principal Reduction Alternative (PRA) 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

8

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)* 141,697

Second Lien Modifications Involving Full Lien Extinguishments 38,480

Active Second Lien Modifications** 84,287

Active Second Lien Modifications Involving Partial Lien Extinguishments 10,775

The Second Lien Modification Program7

* Includes 5,012 loans that have a qualifying first lien GSE Standard Modification.

** Includes 6,929 loans in Active Non-Payment Status whereby the 1MP has disqualified from HAMP. As a result, the servicer is no 

longer required to report payment activity on the 2MP modification.
Making Home Affordable: Other MHA Programs

Program Performance Report Third Quarter 2014

The Home Affordable Foreclosure Alternatives Program

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 at least $3,000* in relocation assistance at closing. 

* $10,000 beginning in February 2015.

9

The Home Affordable Unemployment Program

The Home Affordable Unemployment Program (UP) provides assistance to homeowners who are unable to make their 

mortgage payments as a result of unemployment. Unemployed homeowners can receive up to 12 months of 

forbearance, during which mortgage payments are reduced or suspended, allowing homeowners to seek employment 

without fear that they will lose their homes to foreclosure.

All UP Forbearance Plans Started 41,471

UP Forbearance Plans With Some Payment Required 35,250

UP Forbearance Plans With No Payment Required 6,221

Participating servicers 

must consider all 

homeowners not eligible 

for HAMP, or who request 

a short sale or DIL, for 

HAFA in accordance with 

their “HAFA Policy” and 

investor guidelines.

HAFA Activity by Investor Type

Private Portfolio GSE Total

Short Sale 118,742 43,756 127,496 289,994

Deed-in-Lieu 3,906 3,069 26,318 33,293

Total Transactions 

Completed 122,648 46,825 153,814 323,287
Making Home Affordable: Results by Servicer

Program Performance Report Third Quarter 2014

10

Making Home Affordable Program Activity by Servicer

Servicer 

HAMP Tier 1 

Permanent 

Modifications

HAMP Tier 2 

Permanent 

Modifications

PRA8 Permanent 

Modifications

2MP 

Modifications

HAFA9 non-GSE 

Transactions 

Completed

Bank of America, N.A. 103,324 2,154 6,366 36,956 47,338

CitiMortgage, Inc. 54,787 3,514 4,402 18,069 1,433

JPMorgan Chase Bank, N.A. 186,183 1,558 25,432 39,824 36,287

Nationstar Mortgage LLC 134,525 8,402 8,400 4,858 6,679

Ocwen Loan Servicing, LLC 256,004 28,446 68,384 N/A 17,199

Select Portfolio Servicing, Inc. 73,820 8,387 10,900 N/A 12,387

Wells Fargo Bank, N.A. 193,419 6,365 29,005 21,796 30,722

Other Servicers 343,460 12,357 11,062 20,194 17,428

Total 1,345,522 71,183 163,951 141,697 169,473

As of September 2014, there are 125 servicers that participate in Treasury’s MHA programs, but seven servicers make up 

nearly 90% of non-GSE HAMP modifications. Program activity for these servicers is provided below. 

HAMP Permanent Modifications by Investor

Servicer 

HAMP Permanent Modifications

GSE Private Portfolio Total

Bank of America, N.A. 40,416 45,772 19,290 105,478

CitiMortgage, Inc. 31,533 8,296 18,472 58,301

JPMorgan Chase Bank, N.A. 85,767 59,398 42,576 187,741

Nationstar Mortgage LLC 81,319 57,681 3,927 142,927

Ocwen Loan Servicing, LLC 55,312 207,006 22,132 284,450

Select Portfolio Servicing, Inc. 677 75,659 5,871 82,207

Wells Fargo Bank, N.A. 78,855 41,172 79,757 199,784

Other Servicers 259,525 43,776 52,516 355,817

Total 633,404 538,760 244,541 1,416,705
Making Home Affordable: Results by Servicer

Program Performance Report Third Quarter 2014

Through ongoing compliance reviews performed by MHA-C, a division of Freddie Mac acting as Treasury’s compliance 

agent for MHA, Treasury requires participating servicers to take specific actions to improve their servicing processes, as 

needed. MHA-C tests and evaluates a range of servicers’ activities to determine compliance with MHA guidelines. MHA-C 

shares the results of each review with the servicer, requires remediation of identified issues, and reports to Treasury on 

the results of all reviews. The results of reviews are also used to generate the servicer assessments. 

In June 2011, Treasury began publishing quarterly servicer assessments for the large servicers participating in MHA to 

drive servicers to improve their performance. The assessments highlight particular compliance activities tested, and 

provide a rating of the results. The assessments not only provide greater transparency to the public about servicer 

performance in the program, but also prompt servicers to correct identified instances of non-compliance. 

In addition to compliance data, the assessments include program results based on data reported by servicers into the MHA 

system of record. These program results are key indicators of how timely and effectively servicers assist eligible 

homeowners under MHA guidelines and report program data to Treasury. Although the servicers are not given an overall 

rating for this data, the results nonetheless compare a servicer’s performance for a given quarter against the other large 

servicers participating in the program.

Starting with the third quarter of 2013, the servicer assessments were enhanced to, among other things, present new 

compliance metrics and related benchmarks. These changes help provide additional insight into the impact of servicer 

performance on the homeowner’s experience, allow for trending analysis of all compliance metrics, and foster further 

improvement in servicer performance.

Servicer participation in MHA is voluntary, based on a contract with Fannie Mae as financial agent on behalf of Treasury. 

Although 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. Such remedial actions include requiring servicers to correct identified instances of noncompliance, as noted 

above. In addition, Treasury can implement financial remedies such as withholding incentive payments owed to servicers. 

Such incentive payments, which are the only payments Treasury makes for the benefit of servicers under the program, 

include payments for every successful permanent modification under HAMP, and payments for completed short sale/DIL 

transactions pursuant to HAFA. 

Making Home Affordable Servicer Assessments

11
Making Home Affordable: Results by Servicer

Program Performance Report Third Quarter 2014

Improvement Needed Servicer Name

Minor

Bank of America, N.A.

JPMorgan Chase, N.A.

Moderate

CitiMortgage, Inc.*

Nationstar Mortgage LLC

Ocwen Loan Servicing, LLC**

Select Portfolio Servicing, Inc.

Wells Fargo Bank, N.A.

Substantial None

3rd Quarter 2014 Servicer Assessment Summary Results

The Determination Process: Results of the Data

Treasury reviews the compliance data and ratings, the program results metrics, and other relevant factors affecting servicer 

performance (including, but not limited to, a servicer’s progress in implementing previously identified improvements) in 

determining whether a servicer needs substantial improvement, moderate improvement, or minor improvement to its 

overall performance under MHA guidelines. The assessments summarize the significant factors impacting those decisions. 

Based on those assessments, Treasury may take remedial action against servicers. 

Consequences for Servicers

For servicers in need of substantial improvement, Treasury will, absent extenuating circumstances, withhold financial 

incentives owed to those servicers until they make certain identified improvements. In certain cases, particularly where 

there is a failure to correct identified problems within a reasonable time, Treasury may also permanently reduce the 

financial incentives. Servicers in need of moderate improvement may be subject to withholding in the future if they fail to 

make certain identified improvements. All withholdings apply only to incentives owed to servicers for their participation in 

MHA; these withholdings do not apply to incentives paid to servicers for the benefit of homeowners or investors. 

12

*After considering all relevant factors, including performance in areas previously requiring substantial improvement, servicer incentives 

withheld from CitiMortgage beginning last quarter will be released this quarter.

**The assessments provided in this report are based on the results of compliance reviews performed by MHA-C during the third quarter 

of 2014. Subsequent to those reviews, Ocwen reported that certain letters to borrowers were erroneously dated. Treasury is currently 

reviewing any impact of this matter on MHA programs.
Making Home Affordable: Results by Servicer

Program Performance Report Third Quarter 2014

The metrics and benchmarks below reflect compliance areas tested and reported on across the large servicers to 

determine servicers’ adherence to MHA Program Requirements. Servicer results (see overleaf) reflect percentages of 

tests that did not have a desired outcome.

Compliance Metrics Overview 

13

Category Metric Benchmark

 Identifying and 

Contacting 

Homeowners

Assesses whether the 

servicer identifies and 

communicates 

appropriately with 

potentially eligible 

MHA homeowners.



Single Point of Contact Assignment 

% Noncompliance

Percentage of loans reviewed where MHA-C did 

not concur that the servicer had assigned a 

Single Point of Contact to a homeowner in 

accordance with MHA guidelines

5.0%



Second Look % Disagree 

Percentage of loans reviewed where MHA-C did 

not concur with servicer's MHA determination 

for applicable programs

2.0%



Second Look % Unable to Determine

Percentage of loans reviewed where MHA-C 

was not able to conclude on the servicer's MHA 

determination for applicable programs

2.0%

 Homeowner 

Evaluation and 

Assistance

Assesses whether 

servicer correctly 

evaluates homeowners' 

eligibility for MHA 

programs and 

accurately 

communicates 

decisions. 



Income Calculation Error % 

Percentage of loans for which MHA-C's income 

calculation differs from the servicer's by more 

than 5% for applicable programs

2.0%



Non-Approval Notice % Noncompliance

Percentage of loans reviewed where MHA-C did 

not concur with completion and accuracy of the 

notices sent to homeowners communicating 

reasons for non-approval, in accordance with 

MHA guidelines

5.0%

 Program 

Management and 

Reporting

Assesses whether the 

servicer has effective 

program management 

and submits timely and 

accurate program 

reports and 

information.



Incentive Payment Data Errors 

Average percentage of differences in calculated 

incentives resulting from data discrepancies 

between servicer files and the MHA system of 

record for applicable programs

2.0%



Disqualified Modification % 

Noncompliance

Percentage of loans reviewed where MHA-C did 

not concur with servicer's processing of 

defaulted HAMP modifications, in accordance 

with MHA guidelines

5.0%
Making Home Affordable: Results by Servicer

Program Performance Report Third Quarter 2014

Servicer Single Point 

of Contact

Second Look 

Disagree

Second Look 

Unable to 

Determine

Income 

Calculation 

Error 

NonApproval 

Notice Noncompliance

Incentive 

Payment 

Data Errors 

Disqualified 

Modification 

Noncompliance

BENCHMARK 5.0% 2.0% 2.0% 2.0% 5.0% 2.0% 5.0%

Bank of 

America, N.A.

Servicer 

Result 0.0% 0.0% 0.0% 0.0% 1.9% 0.3% 3.0%

Rating *** *** *** *** *** *** ***

CitiMortgage,

Inc.

Servicer 

Result 1.1% 4.2% 0.0% 1.0% 2.8% 0.1% 12.0%

Rating *** ** *** *** *** *** *

JP Morgan 

Chase Bank, 

N.A.

Servicer 

Result 0.0% 0.9% 0.0% 0.0% 0.0% 0.0% 0.0%

Rating *** *** *** *** *** *** ***

Nationstar 

Mortgage LLC

Servicer 

Result 0.0% 0.0% 0.0% 4.0% 4.2% 2.0% 13.0%

Rating *** *** *** ** *** *** *

Ocwen Loan 

Servicing, LLC

Servicer 

Result 0.0% 3.1% 0.0% 0.0% 5.0% 0.5% 1.0%

Rating *** ** *** *** *** *** ***

Select 

Portfolio 

Servicing, Inc.

Servicer 

Result 0.0% 1.2% 1.2% 3.0% 0.0% 0.6% 1.0%

Rating *** *** *** ** *** *** ***

Wells Fargo 

Bank, N.A.

Servicer 

Result 4.2% 1.4% 0.0% 0.0% 0.0% 0.4% 8.0%

Rating *** *** *** *** *** *** **

14

3rd Quarter Compliance Results
Making Home Affordable: Results by Servicer

Program Performance Report Third Quarter 2014

Servicer 

Q1 

2011

Q2 

2011

Q3 

2011

Q4 

2011

Q1 

2012

Q2 

2012

Q3 

2012

Q4 

2012

Q1 

2013

Q2 

2013

Q3

2013

Q4

2013

Q1

2014

Q2

2014

Q3

2014

Second Look % Disagree

Bank of 

America

1.5% 0.8% 1.0% 1.0% 2.0% 1.0% 1.2% 1.3% 0.0% 0.0% 0.0% 0.9% 1.4% 1.4% 0.0%

CitiMortgage 2.0% 0.5% 1.5% 1.0% 1.0% 1.0% 2.0% 6.7% 1.3% 4.7% 5.6% 4.3% 1.4% 15.2% 4.2%

JPMorgan 

Chase 1.6% 1.2% 0.0% 0.7% 0.2% 0.0% 0.1% 0.2% 0.2% 0.7% 1.0% 1.4% 1.8% 0.5% 0.9%

Nationstar N/A N/A 1.7% 1.6% 1.4% 0.0%

Ocwen 6.7% 2.7% 0.0% 0.7% 1.0% 1.0% 0.0% 0.0% 0.7% 3.1% 2.3% 3.8% 3.5% 0.5% 3.1%

SPS 0.0% 0.0% 0.8% 0.0% 0.0% 0.5% 0.0% 2.0% 1.3% 2.0% 1.7% 4.0% 1.2% 0.6% 1.2%

Wells Fargo 1.2% 0.4% 0.4% 0.0% 0.3% 1.0% 1.3% 3.0% 1.3% 3.0% 4.4% 3.1% 2.5% 2.8% 1.4%

Second Look Unable to Determine %

Bank of 

America

18.8% 8.2% 1.5% 1.0% 1.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

CitiMortgage 13.3% 5.5% 0.5% 1.0% 0.5% 1.0% 3.8% 6.0% 4.7% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

JPMorgan 

Chase 11.3% 3.2% 0.9% 1.0% 0.7% 1.7% 1.4% 3.8% 3.1% 2.7% 2.0% 0.0% 0.5% 0.0% 0.0%

Nationstar N/A N/A 0.0% 0.0% 0.0% 0.0%

Ocwen 10.3% 3.0% 2.4% 0.0% 0.0% 0.0% 1.3% 0.0% 0.0% 2.0% 0.0% 1.0% 0.0% 1.1% 0.0%

SPS 2.3% 0.3% 0.8% 0.0% 3.0% 0.0% 0.7% 0.7% 0.7% 0.0% 0.0% 1.7% 0.0% 0.0% 1.2%

Wells Fargo 6.0% 1.3% 1.3% 0.0% 0.0% 0.8% 1.0% 0.5% 0.3% 0.0% 0.0% 0.0% 0.1% 0.0% 0.0%

Income Calculation Error %

Bank of 

America

22.0% 13.2% 6.0% 6.0% 5.0% 2.0% 3.0% 1.0% 3.0% 3.0% 1.0% 2.0% 3.0% 1.0% 0.0%

CitiMortgage 10.0% 12.0% 6.0% 3.0% 4.0% 1.0% 3.1% 0.0% 1.0% 2.0% 0.0% 2.0% 2.0% 6.0% 1.0%

JPMorgan 

Chase 31.0% 20.6% 6.0% 10.0% 9.0% 0.0% 2.0% 0.0% 1.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Nationstar N/A N/A 3.0% 3.0% 5.0% 4.0%

Ocwen 33.0% 2.0% 2.0% 2.0% 3.0% 3.0% 0.0% 0.0% 1.0% 1.3% 0.5% 0.5% 1.0% 1.0% 0.0%

SPS 15.0% 10.0% 3.2% 1.0% 3.0% 2.0% 3.0% 2.0% 0.0% 3.1% 2.1% 3.1% 6.0% 6.0% 3.0%

Wells Fargo 27.0% 4.4% 5.5% 4.0% 2.0% 0.0% 1.0% 1.5% 1.0% 0.5% 1.0% 1.0% 1.0% 1.0% 0.0%

Starting with the third quarter of 2013, the Servicer Assessment has been enhanced to present new compliance metrics 

and related benchmarks, including a methodology change to the metrics on this page. The coverage of these metrics now 

includes additional MHA components and programs, such as HAMP Tier 2, and the Second Lien Modification Program. 

Thus, starting in Q3 2013, the results of these metrics are not entirely comparable to previous quarters.

Compliance Results Trending

15
Making Home Affordable: Results by Servicer

Program Performance Report Third Quarter 2014

Trials Aged 6+ Months (% of Active Trials)10

Average Calendar Days to Resolve Escalated Cases

0%

10%

20%

30%

40%

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.

% of Active Trials 6+ Months

Q4 2013 Q1 2014 Q2 2014 Q3 2014

0

10

20

30

40

50

60

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.

# Days

Q4 2013 Q1 2014 Q2 2014 Q3 2014

This quarterly metric measures trials lasting six months or longer as a share of all active trials. These figures include trial

modifications that have been cancelled or converted to permanent modifications by the servicer and are pending 

reporting to the program system of record. Additionally, servicers may process cancellations of permanent modifications 

for various reasons, including but not limited to, data corrections, loan repurchase agreements, etc. This process requires 

reverting the impacted permanent modifications to trials in the HAMP system of record with re-boarding of some of these 

permanent modifications in subsequent reporting periods.

This quarterly metric measures servicer response time for homeowner inquiries escalated to MHA Support Centers. 

Effective February 1, 2011, a target of 30 calendar days was established for non-GSE escalation cases, including an 

estimated 5 days processing by the MHA Support Centers. The methodology for calculating average days to respond to 

escalated cases includes non-GSE cases escalated on or after February 1, 2011. Investor denial cases escalated prior to 

November 1, 2011, cases involving bankruptcy, and those that did not require servicer actions are not included in the 

calculation of servicer time to resolve escalations.

Program Results

16

Q4’13 1,156 865 859 1,184 1,820 1,888 800

Q1’14 722 550 672 1,183 2,969 1,733 1,001

Q2’14 579 469 492 1,226 2,728 1,076 931

Q3’14 495 411 351 1,378 943 504 672

Average # Aged Trials
Making Home Affordable: Results by Servicer

Program Performance Report Third Quarter 2014

Timely Reporting of Permanent Modifications (% Reported within the Month of Conversion)

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

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.

% Reported Timely

Q4 2013 Q1 2014 Q2 2014 Q3 2014

Missing Permanent Modification Status Reports (%)

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

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.

% Missing

Q4 2013 Q1 2014 Q2 2014 Q3 2014

This quarterly metric measures the servicer’s ability to promptly report on the current status of permanent modifications. 

Inconsistent and untimely reporting of modification status reports may impact incentive compensation and loan 

performance analysis.

Treasury revised its Federally Declared Disaster (FDD) guidance, allowing servicers to suspend the reporting of permanent 

modification status for loans where the homeowner was impacted by Hurricane Sandy or any other FDD. This revised 

guidance may impact missing permanent modification status reporting.

This quarterly metric measures the servicer’s ability to promptly report the conversion from a trial to a permanent 

modification. Untimely reporting of permanent modification conversions impacts incentive compensation, including the 

possible delay of homeowner incentives. In addition, it hinders the effectiveness of program monitoring and 

transparency. 

17

Program Results
Appendix 1: Program and Servicer Assessment Notes

18

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

payment through a loan modification. HAMP includes a Tier 1 modification for Government Sponsored Enterprises (GSEs) and nonGSE homeowners and a Tier 2 for non-GSE homeowners. In October 2011, the GSEs launched the Servicer Alignment Initiative (SAI), 

creating the GSE Standard Modification. Tier 2 is modeled after the GSE Standard Modification and expands HAMP eligibility to 

include homeowners with properties currently occupied by a tenant as well as vacant properties the homeowner intends to rent.

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

Housing Administration. 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 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

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, GSE Standard Modifications and both Treasury 

FHA- and RD-HAMP. HAMP Tier 1 includes both GSE and non-GSE modifications. The GSEs do not participate in HAMP Tier 2, 

however the GSE Standard Modification is similar to HAMP Tier 2. Treasury's FHA-HAMP and RD-HAMP are similar to HAMP Tier 1.

GSE Standard Modification data is provided by Fannie Mae and Freddie Mac as of September 2014. The GSEs undertake other 

foreclosure prevention activities beyond their participation in MHA 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 to view the latest Housing Scorecard.
Appendix 1: Program and Servicer Assessment Notes

19

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 who have also received a 2MP modification realize a higher monthly 

payment reduction on their first lien compared to the overall population of first line homeowners as the median first lien unpaid 

principal balance is higher.

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 September

2014. 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.

Servicer Assessment Notes:

Treasury’s foremost goal is to assist struggling homeowners who may be eligible for MHA. The servicer assessments have set a 

benchmark for providing detailed information about how mortgage servicers are performing against specific metrics. But, in addition 

to this direct effect, MHA has had an important indirect effect on the market as well. MHA has established standards that have 

improved mortgage modifications across the industry, and has led to important changes in the way mortgage servicers assist 

struggling homeowners generally. These changes include standards for how mortgage modifications should be designed so that they 

are sustainable, standards for communications with homeowners so that the process is as efficient and as understandable as 

possible, and a variety of standards for protecting homeowners, such as prohibitions on “dual tracking” – simultaneously evaluating a 

homeowner for a modification while proceeding to foreclose. Treasury believes these assessments will continue to set the standard 

for transparency about mortgage servicer efforts to assist homeowners.

Although the compliance reviews that form the basis for the servicer assessments emphasize objective measurements and observed 

facts, compliance reviews still involve a certain level of judgment. Compliance reviews are also retrospective in nature – looking 

backward, not forward, which means that activities identified as needing improvement in a given quarter may already be under 

remediation by the servicer. In addition, the compliance reviews use “sampling” as a testing methodology. Sampling, an industryaccepted auditing technique, looks at a subset of a particular population of transactions, rather than the entirety of the population of 

transactions, to assess a servicer’s overall performance in that particular activity.

It is important to note that Treasury’s compliance work related to MHA applies only to those servicers that have agreed to participate 

in MHA for mortgage loans that are not owned or guaranteed by Fannie Mae or Freddie Mac (the GSEs). Treasury cannot and does 

not perform compliance reviews of (1) mortgage loans or activities that fall outside of MHA, (2) GSE loans or (3) those loans insured 

through the Federal Housing Administration. For each servicer, the loans that are eligible for MHA represent only a portion of that 

servicer’s overall mortgage servicing operation.
Appendix 1: Program and Servicer Assessment Notes

20

Compliance Metrics 

Single Point of Contact Assignment % Noncompliance:

Servicers are required to assign certain delinquent homeowners to a Single Point of Contact (SPOC). This metric measures the 

percentage of loans reviewed where MHA-C did not concur that the servicer had assigned a SPOC to a homeowner in a timely fashion 

and otherwise in accordance with MHA guidelines.

For SPOC Assignment Noncompliance results, remedial actions Treasury requires servicers to take include, but are not limited to: 

assigning a SPOC to the homeowner, and correcting system and operational processes such that SPOCs are properly assigned to 

homeowners in a timely fashion.

Second Look % Disagree:

Second Look is a process in which MHA-C reviews loans not in a permanent modification, to assess the timeliness and accuracy of the 

servicer’s homeowner outreach and eligibility review in order to verify that the homeowner was properly considered, denied or 

deemed ineligible for receiving a permanent modification. This metric measures the percentage of loans reviewed in Second Look 

where MHA-C did not concur with a servicer’s solicitation efforts and/or eligibility review.

Second Look % Unable to Determine:

This metric measures the percentage of loans reviewed in Second Look for which MHA-C is not able to determine, based on the 

documentation provided, whether the homeowner was properly considered, denied or deemed ineligible for receiving a permanent 

modification.

For both Second Look Disagree and Unable to Determine results, remedial actions Treasury requires servicers to take include, but are 

not limited to: reconsidering homeowners for a modification if they were not properly solicited or incorrectly evaluated, retaining 

documentation to support solicitation efforts and eligibility determination, and, if applicable, engaging in systemic process 

remediation. All loans categorized as Disagree or Unable to Determine remain on foreclosure hold until the servicer completes the 

appropriate corrective actions.

Income Calculation Error %:

Correctly calculating homeowners’ monthly income is a critical component of evaluating eligibility for MHA, as well as establishing an 

accurate modification payment. This metric measures how often MHA-C disagrees with a servicer’s calculation of a homeowner’s 

Monthly Gross Income, allowing for up to a 5% differential from MHA-C’s calculations.

For Income Calculation Errors, remedial actions Treasury requires servicers to take include, but are not limited to: correcting income 

errors, requiring the servicer to review their own income calculation accuracy, enhancing policies and procedures, and conducting 

staff training on income calculation.

Non-Approval Notice % Noncompliance:

Correctly communicating reasons for non-approval may affect homeowners’ awareness of other foreclosure alternatives or the ability 

to challenge the non-approval. This metric measures the percentage of loans reviewed where MHA-C did not concur with the 

completion or accuracy of the notices sent to homeowners communicating reasons for non-approval, in accordance with MHA 

guidelines.

For Non-Approval Notice results, remedial actions Treasury requires servicers to take include, but are not limited to: correcting the 

non-approval letter template, and engaging in systemic process remediation in order to deliver accurate non-approval notices.
Appendix 1: Program and Servicer Assessment Notes

21

Incentive Payment Data Errors:

Treasury provides incentives for servicers, investors, and homeowners for permanent modifications completed under MHA. Although 

intended for different recipients, all incentives are initially paid to servicers to distribute to the appropriate parties. Data that servicers

report to the program system of record is used to calculate the incentives due to servicers, investors, and homeowners. This metric

measures how data anomalies between servicer loan files and the reported information affect incentive payments.

For Incentive Payment Data Error results, remedial actions Treasury requires servicers to take include, but are not limited to: 

correcting the identified errors and correcting system and operational processes such that accurate data is mapped to its appropriate 

places in the program system of record.

Disqualified Modification % Noncompliance:

Permanent modifications on which homeowners lose good standing are subsequently disqualified from the program. This metric 

measures the percentage of loans reviewed where MHA-C did not concur with a servicer’s processing of defaulted HAMP 

modifications, in accordance with MHA guidelines.
22

Appendix 2: Terms and Methodologies

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 has missed 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.

Median Monthly Housing Payment:

Principal and interest payment. Before modification payment is homeowner’s current payment at time of evaluation.
Appendix 3: End Notes

23

Note # Section End Notes

1 HAMP

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

modifications. Totals reflect impact of servicing transfers. Servicers may enter new trial 

modifications into the HAMP system of record at any time.

2 HAMP

Servicers did not submit 23,997 OMRs, or 2.5% of the total required OMRs 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 redefault rate for permanent modifications that have aged 42 months may range between 37.9% and

38.1%.

3 HAMP

Data is as reported by servicers for actions completed through the end of the month 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.

4 Other MHA Programs Includes some modifications with additional principal reduction outside of HAMP PRA.

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

entire amount that may be forgiven.

6 Other MHA Programs Principal amount reduced as a percentage of before-modification UPB, excluding capitalization.

7 Other MHA Programs

Important factors affecting the size of the population of second liens eligible for 2MP modifications 

include: Servicer participation in 2MP is voluntary. Under 2MP, participating servicers are notified 

when a match is found between one of their second liens and a qualifying first lien modification. 

Survey data indicates that program to date, 358,426 qualifying first lien modifications have been 

matched with a second lien. Of these matched second liens, approximately 55% are found to be 

ineligible for a 2MP modification. The most common reasons for ineligibility are: cancellation or 

failure of a trial or permanent first lien HAMP modification; extinguishment of the second lien prior 

to evaluation for 2MP; failure of a 2MP trial modification; and some homeowners with eligible 

second liens decline to participate in 2MP.

8 Servicer

While both GSE and non-GSE loans are eligible for HAMP, at the present time 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.

9 Servicer Includes non-GSE activity under the MHA program only. Servicer GSE program data not available.

10 Servicer

These figures include trial modifications that have been converted to permanent modifications, but 

not reported as such in the HAMP system of record. Additionally, servicers may process 

cancellations of permanent modifications for reasons, including but not limited to, data corrections, 

loan repurchase agreements, etc. This process requires reverting the impacted permanent 

modifications to trials in the HAMP system of record with re-boarding of some of these permanent 

modifications in subsequent reporting periods. Prior to being re-boarded as permanent 

modifications, these modifications are reported as Active Trials. These modifications may be 6 

months or more beyond their first trial payment due date resulting in their classification as an Aged 

Trials. As a result, fluctuations are expected in this population.
24

Appendix 4: HAMP Activity by State

State Trial Modifications Started Permanent Modifications

Started

Median Monthly Payment

Reduction

Median Monthly Payment 

Reduction % of PreModification Payment

AK 1,212 673 $476.85 31%

AL 15,619 9,011 $260.24 31%

AR 6,137 3,437 $248.17 31%

AZ 90,037 52,834 $442.63 37%

CA 485,602 328,918 $719.24 37%

CO 30,406 18,915 $409.46 33%

CT 30,175 19,669 $532.49 37%

DC 3,995 2,453 $552.49 32%

DE 7,321 4,647 $411.35 32%

FL 278,863 174,537 $473.24 40%

GA 86,200 51,898 $361.38 36%

HI 8,126 5,284 $797.42 34%

IA 6,775 3,790 $247.35 32%

ID 8,447 5,144 $369.76 33%

IL 116,867 75,184 $508.90 40%

IN 24,499 14,580 $259.53 33%

KS 6,530 3,656 $287.53 32%

KY 9,983 5,887 $264.69 33%

LA 15,265 9,117 $284.05 32%

MA 51,347 34,106 $584.64 35%

MD 72,602 46,581 $570.06 34%

ME 6,514 4,332 $388.35 35%

MI 67,909 40,859 $341.82 37%

MN 35,604 21,692 $419.72 35%

MO 26,270 15,328 $293.60 34%

MS 9,527 5,696 $251.29 32%

MT 2,744 1,564 $398.00 32%

NC 46,038 27,514 $304.05 33%

ND 460 234 $276.95 31%

NE 3,616 2,147 $261.12 33%

NH 9,921 6,511 $467.92 34%

NJ 77,450 49,851 $634.27 37%

NM 8,103 4,902 $349.09 33%

NV 52,125 31,449 $527.72 38%

NY 112,042 72,676 $795.99 39%

OH 55,187 31,453 $288.89 35%

OK 7,004 3,816 $242.99 32%

OR 24,817 15,404 $458.11 34%

PA 54,531 33,689 $347.89 33%

RI 10,599 7,091 $541.15 39%

SC 23,971 14,061 $298.59 32%

SD 995 529 $257.17 29%

TN 27,000 16,299 $285.04 34%

TX 75,772 42,064 $285.76 33%

UT 18,529 11,779 $432.47 32%

VA 52,835 32,749 $488.25 32%

VT 1,933 1,325 $364.21 33%

WA 46,165 29,972 $507.07 33%

WI 22,886 14,344 $346.10 35%

WV 3,467 1,994 $309.02 29%

WY 1,163 691 $356.09 29%

PR 5,456 4,350 $290.28 37%

Nationwide* 2,246,680 1,416,705 $490.06 36%

* Includes U.S. Territories
Appendix 5: HAMP Tier 1 Scheduled Interest Rate Increases by State

25

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 44.62% 6.8% $1,516.96 $4,238.00 $223,010.23 $882.50 $94.44 $181.86 -$396.06

AL 46.27% 6.8% $877.94 $2,298.23 $121,914.11 $518.41 $49.68 $101.72 -$226.26

AR 45.32% 6.5% $812.28 $2,144.29 $115,512.48 $473.94 $48.96 $102.31 -$198.32

AZ 49.12% 6.4% $1,197.37 $2,832.28 $179,267.43 $677.24 $79.62 $194.16 -$288.89

CA 48.55% 6.1% $1,943.65 $4,693.33 $306,977.86 $1,097.99 $138.14 $318.24 -$433.54

CO 46.14% 6.5% $1,238.83 $3,208.13 $189,703.13 $758.58 $81.59 $181.59 -$274.87

CT 45.37% 6.5% $1,467.02 $4,346.00 $211,930.54 $812.57 $93.05 $205.40 -$384.94

DC 47.92% 6.4% $1,716.89 $4,133.29 $275,854.40 $997.29 $122.64 $276.05 -$368.27

DE 46.89% 6.5% $1,288.94 $3,126.05 $196,449.66 $771.66 $83.89 $177.87 -$294.46

FL 47.59% 6.5% $1,194.96 $3,276.19 $170,800.00 $631.15 $75.94 $172.95 -$332.31

GA 47.28% 6.5% $1,009.53 $2,659.11 $144,438.10 $574.24 $62.66 $141.48 -$268.51

HI 48.73% 6.3% $2,411.45 $5,377.80 $391,550.12 $1,403.76 $175.10 $380.26 -$482.28

IA 44.11% 6.6% $781.19 $2,312.17 $109,056.79 $442.81 $45.90 $96.26 -$197.43

ID 48.31% 6.5% $1,145.72 $2,732.00 $171,535.27 $670.43 $74.92 $166.45 -$270.55

IL 46.91% 6.5% $1,285.65 $3,734.94 $180,488.10 $665.89 $80.33 $183.69 -$371.08

IN 46.02% 6.8% $819.98 $2,166.67 $111,276.51 $466.86 $46.01 $98.56 -$214.85

KS 44.14% 6.6% $904.92 $2,776.38 $128,349.10 $519.75 $52.30 $112.16 -$228.34

KY 45.41% 6.8% $811.90 $2,219.09 $112,309.16 $472.54 $46.80 $97.92 -$208.29

LA 45.37% 6.9% $907.06 $2,589.61 $126,570.32 $518.20 $52.55 $106.47 -$242.80

MA 46.85% 6.4% $1,664.81 $4,363.67 $250,758.46 $946.80 $110.33 $245.79 -$397.22

MD 46.69% 6.4% $1,674.88 $4,336.73 $259,982.10 $966.07 $115.48 $258.74 -$383.92

ME 46.41% 6.6% $1,137.96 $3,018.00 $164,752.87 $640.09 $71.52 $150.18 -$287.09

MI 46.66% 6.5% $959.28 $2,692.00 $130,917.51 $525.64 $55.79 $127.25 -$259.50

MN 45.93% 6.3% $1,208.00 $3,318.46 $179,664.42 $698.78 $78.10 $180.67 -$288.22

MO 45.79% 6.6% $887.82 $2,499.99 $125,103.99 $502.82 $53.07 $112.37 -$239.07

MS 46.12% 6.9% $822.15 $2,247.00 $113,091.69 $464.01 $46.15 $92.71 -$226.32

MT 46.53% 6.4% $1,259.38 $3,263.83 $194,342.55 $744.20 $82.93 $176.54 -$298.13

NC 46.09% 6.5% $959.91 $2,543.79 $136,458.09 $559.91 $57.60 $120.71 -$242.18

ND 42.07% 6.6% $891.55 $2,989.00 $136,122.49 $566.10 $57.21 $119.94 -$210.73

NE 43.64% 6.7% $799.48 $2,533.18 $110,921.68 $464.21 $47.08 $95.32 -$209.12

NH 43.97% 6.4% $1,360.17 $4,167.08 $200,654.34 $784.74 $86.42 $188.49 -$329.67
26

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

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 45.25% 6.4% $1,717.92 $5,238.00 $252,345.36 $916.51 $112.35 $246.68 -$446.08

NM 46.94% 6.5% $1,071.30 $2,769.53 $158,537.59 $637.96 $69.03 $148.54 -$270.57

NV 49.93% 6.3% $1,373.54 $3,143.96 $208,277.52 $762.21 $93.16 $223.04 -$335.58

NY 47.27% 6.5% $2,090.65 $5,676.43 $311,263.27 $1,115.77 $139.58 $306.16 -$546.37

OH 45.26% 6.6% $828.11 $2,419.28 $112,392.69 $464.92 $46.88 $104.27 -$220.76

OK 44.63% 6.9% $785.66 $2,383.46 $107,497.75 $456.28 $43.87 $89.84 -$213.16

OR 46.56% 6.4% $1,336.57 $3,475.93 $207,902.96 $792.19 $91.93 $202.72 -$309.64

PA 45.09% 6.6% $1,104.57 $3,240.88 $155,402.96 $615.40 $66.19 $137.12 -$283.22

RI 47.33% 6.4% $1,370.44 $3,656.52 $197,682.76 $737.73 $87.84 $203.62 -$372.27

SC 46.50% 6.6% $972.24 $2,537.47 $139,413.87 $568.91 $59.04 $124.46 -$241.51

SD 44.26% 6.4% $929.37 $2,720.92 $136,536.39 $529.33 $57.73 $128.41 -$213.35

TN 46.72% 6.9% $885.31 $2,333.33 $120,544.61 $502.82 $49.53 $104.26 -$246.52

TX 43.12% 7.0% $869.56 $2,991.00 $120,531.05 $505.98 $50.06 $103.51 -$236.53

UT 47.06% 6.5% $1,369.53 $3,297.08 $212,087.60 $820.24 $93.36 $210.01 -$301.71

VA 46.46% 6.4% $1,597.09 $4,070.60 $249,370.39 $932.09 $109.21 $244.24 -$329.39

VT 45.90% 6.6% $1,131.62 $3,120.00 $168,109.94 $640.02 $72.09 $159.15 -$288.49

WA 46.33% 6.4% $1,519.76 $3,988.07 $241,944.86 $895.82 $107.30 $234.00 -$334.22

WI 44.80% 6.5% $992.47 $3,009.56 $140,241.45 $555.11 $60.01 $128.93 -$261.86

WV 46.40% 6.6% $1,092.77 $2,682.04 $155,456.03 $636.67 $64.98 $127.60 -$251.44

WY 46.13% 6.5% $1,298.10 $3,251.74 $189,322.74 $804.94 $81.40 $162.43 -$287.36

PR 50.67% 6.4% $775.05 $1,674.54 $104,560.05 $450.16 $44.20 $95.85 -$208.79

Nationwide* 47.17% 6.4% $1,447.82 $3,805.40 $215,000.00 $803.73 $94.58 $211.56 -$344.02

* Includes U.S. Territories
27

Appendix 6: Performance of HAMP Tier 1 Modifications by Vintage

Mod. 

Effective in:

Delinquency: Months After Conversion to Permanent Modification

3 6 12 18

# 60+ Days 90+ Days # 60+ Days 90+ Days # 60+ Days 90+ Days # 60+ Days 90+ Days

2009Q3 3,592 10.7% 4.5% 4,429 15.8% 10.6% 4,654 25.8% 21.2% 4,982 32.2% 28.9%

2009Q4 43,747 5.7% 1.9% 47,595 10.2% 6.3% 51,507 20.4% 15.8% 54,674 25.4% 22.3%

2010Q1 124,062 4.3% 1.5% 150,374 10.4% 6.1% 161,277 20.3% 16.1% 166,294 26.0% 22.4%

2010Q2 147,694 5.3% 1.8% 157,339 12.3% 7.5% 173,619 19.5% 16.1% 170,817 27.7% 24.1%

2010Q3 86,326 5.1% 1.9% 96,045 11.1% 7.1% 104,305 18.2% 14.5% 106,287 25.3% 21.9%

2010Q4 58,072 4.6% 1.8% 62,485 8.9% 5.8% 65,096 18.4% 14.5% 66,625 24.0% 21.1%

2011Q1 71,008 2.8% 1.0% 76,009 8.2% 5.0% 79,717 17.0% 13.6% 81,346 22.2% 19.1%

2011Q2 79,949 3.7% 1.3% 89,221 9.4% 5.8% 92,703 16.2% 13.2% 91,986 23.1% 20.0%

2011Q3 80,883 3.7% 1.3% 85,961 8.8% 5.6% 86,909 15.6% 12.3% 86,657 21.8% 18.9%

2011Q4 64,918 3.4% 1.2% 67,443 6.9% 4.4% 67,772 14.7% 11.4% 67,913 19.3% 16.8%

2012Q1 49,415 2.5% 0.8% 50,856 6.8% 4.1% 50,886 14.1% 10.9% 50,261 18.5% 15.8%

2012Q2 43,996 3.0% 1.0% 44,977 7.7% 4.6% 45,255 13.6% 10.9% 44,784 18.9% 16.1%

2012Q3 47,298 3.1% 1.0% 48,976 7.4% 4.6% 49,717 13.0% 10.1% 50,246 17.9% 15.1%

2012Q4 39,300 3.2% 1.1% 41,216 6.3% 4.0% 42,433 12.3% 9.4% 42,701 16.3% 14.1%

2013Q1 39,259 2.3% 0.7% 40,916 6.1% 3.5% 42,044 12.6% 9.6% 42,414 16.6% 14.0%

2013Q2 31,559 2.7% 0.8% 33,030 6.6% 3.9% 33,723 11.8% 9.4% 11,267 17.2% 14.6%

2013Q3 31,982 3.0% 1.1% 33,458 7.1% 4.3% 34,849 12.1% 9.3%

2013Q4 27,324 3.1% 1.1% 28,646 6.4% 4.0% 10,192 12.2% 9.5%

2014Q1 23,702 2.6% 0.9% 25,583 6.8% 3.9%

2014Q2 19,017 3.6% 1.1% 7,276 7.5% 4.9%

2014Q3 5,746 3.3% 1.0%

All 1,118,849 3.9% 1.4% 1,191,835 9.0% 5.6% 1,196,658 16.8% 13.4% 1,139,254 23.1% 20.0%

Mod. 

Effective in:

Delinquency: Months After Conversion to Permanent Modification

24 30 36 42

# 60+ Days 90+ Days # 60+ Days 90+ Days # 60+ Days 90+ Days # 60+ Days 90+ Days

2009Q3 5,084 36.8% 33.5% 5,148 41.1% 38.6% 5,183 43.9% 41.7% 5,066 48.4% 46.3%

2009Q4 55,632 31.5% 28.4% 56,708 35.2% 32.8% 56,446 39.7% 37.1% 56,259 42.3% 40.5%

2010Q1 168,095 31.8% 28.7% 168,023 35.5% 33.0% 166,347 39.7% 37.4% 165,238 42.3% 40.5%

2010Q2 178,946 31.0% 28.7% 177,378 35.9% 33.4% 175,157 39.2% 37.4% 175,281 41.9% 40.1%

2010Q3 106,337 29.4% 26.8% 105,921 34.2% 31.7% 104,628 37.1% 35.2% 105,090 39.6% 37.8%

2010Q4 66,383 29.6% 26.6% 66,044 33.1% 31.0% 65,909 36.4% 34.3% 66,214 38.3% 36.7%

2011Q1 80,983 27.5% 24.8% 80,109 31.1% 28.9% 81,136 33.8% 31.8% 81,353 35.7% 34.0%

2011Q2 91,572 27.3% 25.0% 92,076 30.7% 28.5% 91,647 33.1% 31.5% 33,768 35.9% 34.3%

2011Q3 85,133 25.8% 23.4% 86,438 29.0% 26.7% 86,889 31.0% 29.2%

2011Q4 67,652 23.4% 21.0% 67,515 26.1% 24.3% 24,426 28.9% 27.2%

2012Q1 50,778 22.5% 20.0% 50,945 25.0% 22.9%

2012Q2 44,989 22.0% 20.0% 15,503 25.6% 23.6%

2012Q3 50,504 20.8% 18.5%

2012Q4 13,916 20.1% 17.9%

2013Q1

2013Q2

2013Q3

2013Q4

2014Q1

2014Q2

2014Q3

All 1,066,004 28.1% 25.5% 971,808 32.5% 30.2% 857,768 36.6% 34.6% 688,269 40.3% 38.6%

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 7: HAMP Activity by MSA

28

Metropolitan StatisticalArea

Permanent 

Modifications 

Started

Median 

Monthly 

Payment 

Reduction

Median Monthly 

Payment 

Reduction% of 

Pre-Modification 

Payment

Abilene, TX MetropolitanStatisticalArea 63 $194.85 33%

Aguadilla-Isabela,PR Metropolitan Statistical Area 164 $258.00 36%

Akron, OH Metropolitan Statistical Area 2,429 $296.51 36%

Albany, GA Metropolitan Statistical Area 288 $249.22 31%

Albany-Schenectady-Troy, NY Metropolitan Statistical Area 1,643 $364.35 34%

Albuquerque,NM Metropolitan Statistical Area 3,225 $340.34 33%

Alexandria, LA Metropolitan Statistical Area 153 $244.05 29%

Allentown-Bethlehem-Easton, PA-NJ Metropolitan Statistical Area 3,920 $405.75 34%

Altoona, PA MetropolitanStatistical Area 139 $216.06 31%

Amarillo, TX Metropolitan Statistical Area 131 $259.80 35%

Ames, IA Metropolitan Statistical Area 59 $274.76 32%

Anchorage,AK Metropolitan Statistical Area 521 $499.01 32%

Anderson,IN Metropolitan Statistical Area 288 $220.20 32%

Anderson, SC Metropolitan Statistical Area 526 $252.41 31%

Ann Arbor, MI Metropolitan Statistical Area 1,149 $419.72 35%

Anniston-Oxford-Jacksonville, AL MetropolitanStatistical Area 168 $208.89 30%

Appleton, WI Metropolitan Statistical Area 349 $315.87 34%

Asheville,NC MetropolitanStatistical Area 1,258 $356.80 33%

Athens-Clarke County, GA Metropolitan Statistical Area 535 $310.01 33%

Atlanta-Sandy Springs-Roswell, GA Metropolitan Statistical Area 41,324 $379.34 37%

Atlantic City-Hammonton,NJ Metropolitan Statistical Area 2,271 $496.41 38%

Auburn-Opelika,AL Metropolitan Statistical Area 239 $285.38 29%

Augusta-Richmond County, GA-SC MetropolitanStatistical Area 915 $262.71 32%

Austin-RoundRock, TX Metropolitan Statistical Area 2,696 $331.67 33%

Bakersfield,CA Metropolitan Statistical Area 7,891 $479.10 37%

Baltimore-Columbia-Towson, MD MetropolitanStatistical Area 15,451 $478.67 32%

Bangor, ME Metropolitan Statistical Area 356 $307.85 34%

Barnstable Town, MA MetropolitanStatistical Area 1,751 $616.42 36%

Baton Rouge, LA Metropolitan Statistical Area 2,173 $264.74 30%

Battle Creek, MI Metropolitan Statistical Area 418 $261.99 37%

Bay City, MI Metropolitan Statistical Area 264 $226.46 34%

Beaumont-Port Arthur, TX Metropolitan Statistical Area 299 $228.08 34%

Bellingham, WA MetropolitanStatistical Area 602 $477.78 34%

Bend-Redmond,OR MetropolitanStatistical Area 1,226 $536.91 37%

Billings, MT Metropolitan Statistical Area 146 $299.50 28%

Binghamton,NY Metropolitan Statistical Area 240 $247.80 36%

Birmingham-Hoover, AL Metropolitan Statistical Area 3,346 $280.05 32%

Bismarck,ND MetropolitanStatistical Area 51 $339.62 34%

Blacksburg-Christiansburg-Radford, VA Metropolitan Statistical Area 147 $301.30 29%

Bloomington,IN Metropolitan Statistical Area 229 $258.50 31%

Bloomington-Normal, IL Metropolitan Statistical Area 192 $310.53 35%

Boise City, ID Metropolitan Statistical Area 2,917 $385.78 34%

Boston-Cambridge-Newton, MA-NH Metropolitan Statistical Area 23,949 $629.83 36%

Boulder, CO MetropolitanStatisticalArea 619 $482.47 34%

Bowling Green, KY Metropolitan Statistical Area 148 $243.47 33%

Bremerton-Silverdale, WA Metropolitan Statistical Area 926 $473.34 31%

Bridgeport-Stamford-Norwalk, CT MetropolitanStatistical Area 6,085 $720.49 40%

Brownsville-Harlingen, TX Metropolitan Statistical Area 494 $233.77 34%

Brunswick, GA Metropolitan Statistical Area 241 $329.88 33%

Buffalo-Cheektowaga-Niagara Falls, NY Metropolitan Statistical Area 1,457 $262.02 34%

Burlington,NC Metropolitan Statistical Area 388 $258.00 31%

Burlington-SouthBurlington, VT Metropolitan Statistical Area 417 $420.58 35%

Canton-Massillon,OH MetropolitanStatistical Area 1,197 $260.34 34%

Cape Coral-FortMyers, FL Metropolitan Statistical Area 4,979 $480.77 41%

Cape Girardeau, MO-IL MetropolitanStatistical Area 107 $233.50 31%
Appendix 7: HAMP Activity by MSA

29

Metropolitan StatisticalArea

Permanent 

Modifications 

Started

Median 

Monthly 

Payment 

Reduction

Median Monthly 

Payment 

Reduction% of 

Pre-Modification 

Payment

Carson City, NV Metropolitan Statistical Area 398 $530.67 37%

Casper, WY Metropolitan Statistical Area 125 $336.55 29%

Cedar Rapids, IA Metropolitan Statistical Area 323 $252.94 31%

Champaign-Urbana, IL MetropolitanStatistical Area 194 $239.18 29%

Charleston, WV Metropolitan Statistical Area 198 $229.61 33%

Charleston-North Charleston, SC Metropolitan Statistical Area 2,920 $356.98 33%

Charlotte-Concord-Gastonia, NC-SC Metropolitan Statistical Area 8,413 $318.62 33%

Charlottesville,VA Metropolitan Statistical Area 581 $395.86 31%

Chattanooga, TN-GA Metropolitan Statistical Area 1,333 $273.54 33%

Cheyenne, WY Metropolitan Statistical Area 134 $269.03 26%

Chicago-Naperville-Elgin, IL-IN-WI Metropolitan Statistical Area 72,630 $520.83 41%

Chico, CA Metropolitan Statistical Area 1,100 $463.18 34%

Cincinnati,OH-KY-IN Metropolitan Statistical Area 5,713 $308.45 34%

Clarksville, TN-KY Metropolitan Statistical Area 237 $222.24 30%

Cleveland, TN MetropolitanStatistical Area 220 $261.10 31%

Cleveland-Elyria, OH Metropolitan Statistical Area 7,942 $306.72 37%

Coeur d'Alene, ID Metropolitan Statistical Area 640 $412.43 33%

College Station-Bryan, TX Metropolitan Statistical Area 123 $220.10 27%

Colorado Springs, CO Metropolitan Statistical Area 1,981 $393.67 33%

Columbia, MO Metropolitan Statistical Area 169 $244.41 32%

Columbia, SC Metropolitan Statistical Area 2,364 $267.78 32%

Columbus, GA-AL Metropolitan Statistical Area 690 $267.38 32%

Columbus,IN Metropolitan Statistical Area 117 $228.97 33%

Columbus, OH Metropolitan Statistical Area 5,021 $324.67 35%

Corpus Christi, TX Metropolitan Statistical Area 348 $244.94 32%

Corvallis,OR Metropolitan Statistical Area 103 $348.52 26%

Crestview-Fort Walton Beach-Destin, FL Metropolitan Statistical Area 665 $387.28 34%

Cumberland, MD-WV MetropolitanStatistical Area 132 $245.12 30%

Dallas-FortWorth-Arlington,TX Metropolitan Statistical Area 14,095 $301.61 33%

Dalton, GA Metropolitan Statistical Area 483 $260.32 35%

Danville, IL Metropolitan Statistical Area 45 $208.42 37%

Danville, VA Metropolitan Statistical Area 152 $194.96 28%

Davenport-Moline-Rock Island, IA-IL Metropolitan Statistical Area 530 $244.10 35%

Dayton, OH MetropolitanStatistical Area 2,016 $264.28 35%

Decatur, AL Metropolitan Statistical Area 174 $227.94 28%

Decatur, IL Metropolitan Statistical Area 81 $177.23 30%

Deltona-Daytona Beach-OrmondBeach, FL Metropolitan Statistical Area 4,646 $382.40 37%

Denver-Aurora-Lakewood, CO Metropolitan Statistical Area 11,596 $409.40 33%

Des Moines-WestDes Moines, IA Metropolitan Statistical Area 1,381 $271.43 31%

Detroit-Warren-Dearborn, MI Metropolitan Statistical Area 24,215 $377.43 38%

Dothan, AL Metropolitan Statistical Area 174 $221.83 31%

Dover, DE Metropolitan Statistical Area 849 $401.68 30%

Dubuque, IA Metropolitan Statistical Area 104 $274.25 38%

Duluth, MN-WI Metropolitan Statistical Area 650 $284.63 33%

Durham-Chapel Hill, NC Metropolitan Statistical Area 1,278 $322.94 34%

Eau Claire, WI Metropolitan Statistical Area 232 $298.51 32%

El Centro, CA Metropolitan Statistical Area 1,423 $444.69 35%

El Paso, TX Metropolitan Statistical Area 1,226 $250.01 33%

Elizabethtown-Fort Knox, KY Metropolitan Statistical Area 103 $238.72 30%

Elkhart-Goshen, IN Metropolitan Statistical Area 578 $253.86 32%

Elmira, NY Metropolitan StatisticalArea 103 $272.21 40%

Erie, PA MetropolitanStatistical Area 338 $239.36 37%

Eugene, OR Metropolitan Statistical Area 1,112 $396.49 33%

Evansville,IN-KY Metropolitan Statistical Area 433 $214.00 31%

Fairbanks,AK Metropolitan Statistical Area 65 $339.78 23%
Appendix 7: HAMP Activity by MSA

30

Metropolitan StatisticalArea

Permanent 

Modifications 

Started

Median 

Monthly 

Payment 

Reduction

Median Monthly 

Payment 

Reduction% of 

Pre-Modification 

Payment

Fajardo, PR Metropolitan Statistical Area 78 $257.67 40%

Fargo, ND-MN Metropolitan Statistical Area 165 $280.25 30%

Farmington,NM Metropolitan Statistical Area 112 $284.24 25%

Fayetteville,NC Metropolitan Statistical Area 586 $236.96 33%

Fayetteville-Springdale-Rogers, AR-MO Metropolitan Statistical Area 1,181 $288.16 34%

Flagstaff, AZ Metropolitan Statistical Area 313 $527.72 34%

Flint, MI Metropolitan Statistical Area 1,728 $320.27 36%

Florence, SC Metropolitan Statistical Area 449 $220.87 29%

Florence-Muscle Shoals, AL Metropolitan Statistical Area 146 $210.17 33%

Fond du Lac, WI Metropolitan Statistical Area 161 $299.36 34%

Fort Collins, CO Metropolitan Statistical Area 821 $412.10 31%

Fort Smith, AR-OK Metropolitan Statistical Area 233 $211.26 29%

Fort Wayne, IN Metropolitan Statistical Area 813 $243.16 34%

Fresno, CA Metropolitan Statistical Area 8,460 $483.60 37%

Gadsden, AL Metropolitan Statistical Area 159 $225.77 30%

Gainesville, FL Metropolitan Statistical Area 653 $336.56 35%

Gainesville,GA Metropolitan Statistical Area 1,113 $331.71 36%

Glens Falls, NY Metropolitan Statistical Area 315 $333.76 35%

Goldsboro,NC Metropolitan Statistical Area 153 $237.42 33%

Grand Forks,ND-MN Metropolitan Statistical Area 59 $231.80 30%

Grand Junction, CO MetropolitanStatistical Area 545 $420.75 33%

Grand Rapids-Wyoming, MI Metropolitan Statistical Area 2,522 $280.60 34%

Great Falls, MT Metropolitan Statistical Area 73 $261.72 29%

Greeley, CO Metropolitan Statistical Area 1,065 $359.01 30%

Green Bay, WI Metropolitan Statistical Area 563 $346.76 37%

Greensboro-High Point, NC Metropolitan Statistical Area 2,365 $284.46 33%

Greenville,NC Metropolitan Statistical Area 348 $269.40 33%

Greenville-Anderson-Mauldin, SC MetropolitanStatistical Area 1,718 $265.62 32%

Guayama, PR Metropolitan Statistical Area 41 $183.65 33%

Gulfport-Biloxi-Pascagoula, MS Metropolitan Statistical Area 531 $289.51 35%

Hagerstown-Martinsburg, MD-WV Metropolitan Statistical Area 1,593 $423.26 32%

Hanford-Corcoran, CA MetropolitanStatistical Area 875 $427.66 34%

Harrisburg-Carlisle, PA Metropolitan Statistical Area 1,013 $311.63 32%

Harrisonburg, VA Metropolitan Statistical Area 234 $411.67 34%

Hartford-West Hartford-East Hartford, CT Metropolitan Statistical Area 5,251 $455.71 36%

Hattiesburg, MS Metropolitan Statistical Area 226 $239.02 31%

Hickory-Lenoir-Morganton, NC Metropolitan Statistical Area 980 $243.80 31%

Hinesville,GA Metropolitan Statistical Area 106 $253.44 33%

Holland-Grand Haven, MI Metropolitan Statistical Area 688 $305.53 33%

Honolulu,HI Metropolitan Statistical Area 2,618 $770.32 32%

Hot Springs, AR Metropolitan Statistical Area 140 $328.31 35%

Houma-Thibodaux, LA MetropolitanStatistical Area 239 $247.74 31%

Houston-The Woodlands-Sugar Land, TX Metropolitan Statistical Area 15,231 $288.24 34%

Huntington-Ashland, WV-KY-OH Metropolitan Statistical Area 244 $236.47 35%

Huntsville,AL Metropolitan Statistical Area 586 $235.77 29%

Idaho Falls, ID Metropolitan Statistical Area 280 $260.89 25%

Indianapolis-Carmel-Anderson, IN Metropolitan Statistical Area 4,896 $275.58 32%

Iowa City, IA Metropolitan Statistical Area 103 $310.49 31%

Ithaca, NY Metropolitan Statistical Area 48 $346.89 36%

Jackson, MI Metropolitan Statistical Area 595 $281.57 35%

Jackson, MS Metropolitan Statistical Area 1,559 $251.66 31%

Jackson, TN Metropolitan Statistical Area 257 $230.81 32%

Jacksonville, FL Metropolitan Statistical Area 9,507 $372.34 35%

Jacksonville,NC Metropolitan Statistical Area 158 $260.83 27%

Janesville-Beloit,WI Metropolitan Statistical Area 559 $264.18 33%
Appendix 7: HAMP Activity by MSA

31

Metropolitan StatisticalArea

Permanent 

Modifications 

Started

Median 

Monthly 

Payment 

Reduction

Median Monthly 

Payment 

Reduction% of 

Pre-Modification 

Payment

Jefferson City, MO Metropolitan Statistical Area 154 $212.54 30%

Johnson City, TN Metropolitan Statistical Area 243 $251.91 32%

Johnstown, PA MetropolitanStatistical Area 91 $168.64 25%

Jonesboro, AR Metropolitan Statistical Area 69 $242.10 32%

Joplin, MO Metropolitan Statistical Area 216 $198.86 31%

Kalamazoo-Portage, MI Metropolitan Statistical Area 814 $305.04 37%

Kankakee, IL Metropolitan Statistical Area 401 $353.87 36%

Kansas City, MO-KS Metropolitan Statistical Area 5,558 $312.87 34%

Kennewick-Richland, WA Metropolitan Statistical Area 335 $269.09 31%

Killeen-Temple,TX Metropolitan Statistical Area 239 $220.19 29%

Kingsport-Bristol-Bristol, TN-VA Metropolitan Statistical Area 332 $236.66 33%

Kingston,NY MetropolitanStatistical Area 885 $496.43 38%

Knoxville, TN Metropolitan Statistical Area 1,536 $260.92 30%

Kokomo, IN Metropolitan Statistical Area 237 $222.10 32%

La Crosse-Onalaska, WI-MN Metropolitan Statistical Area 142 $263.08 29%

Lafayette,IN Metropolitan Statistical Area 235 $260.40 33%

Lafayette, LA Metropolitan Statistical Area 416 $244.35 29%

Lake Charles, LA Metropolitan Statistical Area 245 $232.72 32%

Lake Havasu City-Kingman,AZ Metropolitan Statistical Area 1,248 $409.10 36%

Lakeland-Winter Haven, FL Metropolitan Statistical Area 4,247 $373.91 36%

Lancaster, PA Metropolitan Statistical Area 1,014 $307.86 30%

Lansing-East Lansing, MI Metropolitan Statistical Area 1,453 $311.65 35%

Laredo, TX Metropolitan Statistical Area 478 $289.93 36%

Las Cruces,NM Metropolitan Statistical Area 332 $326.86 30%

Las Vegas-Henderson-Paradise, NV Metropolitan Statistical Area 25,763 $530.46 39%

Lawrence, KS Metropolitan Statistical Area 146 $309.77 31%

Lawton, OK Metropolitan Statistical Area 91 $203.83 30%

Lebanon, PA Metropolitan Statistical Area 250 $301.62 30%

Lewiston, ID-WA Metropolitan Statistical Area 93 $272.55 26%

Lewiston-Auburn, ME MetropolitanStatistical Area 309 $330.33 33%

Lexington-Fayette, KY MetropolitanStatistical Area 764 $294.80 34%

Lima, OH Metropolitan Statistical Area 191 $244.04 38%

Lincoln, NE Metropolitan Statistical Area 348 $265.21 32%

Little Rock-NorthLittle Rock-Conway,AR Metropolitan Statistical Area 1,045 $240.07 30%

Logan, UT-ID Metropolitan Statistical Area 203 $320.23 28%

Longview, TX Metropolitan Statistical Area 125 $232.60 34%

Longview, WA Metropolitan Statistical Area 398 $383.86 33%

Los Angeles-LongBeach-SantaAna, CA Metropolitan Statistical Area 103,383 $819.97 39%

Louisville/Jefferson County, KY-IN Metropolitan Statistical Area 3,004 $267.03 33%

Lubbock, TX Metropolitan Statistical Area 157 $231.12 32%

Lynchburg, VA Metropolitan Statistical Area 414 $248.76 27%

Macon, GA Metropolitan Statistical Area 793 $278.31 36%

Madera, CA Metropolitan Statistical Area 1,631 $511.20 38%

Madison, WI Metropolitan Statistical Area 1,090 $394.42 34%

Manchester-Nashua, NH Metropolitan Statistical Area 2,051 $479.94 33%

Manhattan, KS Metropolitan Statistical Area 70 $302.72 29%

Mankato-North Mankato, MN Metropolitan Statistical Area 147 $299.84 29%

Mansfield, OH Metropolitan Statistical Area 282 $233.20 33%

Mayaguez, PR Metropolitan Statistical Area 79 $237.80 37%

McAllen-Edinburg-Mission, TX Metropolitan Statistical Area 1,101 $254.52 34%

Medford, OR Metropolitan Statistical Area 1,186 $465.89 35%

Memphis, TN-MS-AR Metropolitan Statistical Area 6,578 $296.93 35%

Merced, CA Metropolitan Statistical Area 2,377 $533.82 38%

Miami-Fort Lauderdale-West Palm Beach, FL Metropolitan Statistical Area 74,020 $549.87 42%

Michigan City-La Porte, IN Metropolitan Statistical Area 318 $253.89 32%
Appendix 7: HAMP Activity by MSA

32

Metropolitan StatisticalArea

Permanent 

Modifications 

Started

Median 

Monthly 

Payment 

Reduction

Median Monthly 

Payment 

Reduction% of 

Pre-Modification 

Payment

Midland, TX Metropolitan Statistical Area 62 $252.08 28%

Milwaukee-Waukesha-West Allis, WI Metropolitan Statistical Area 5,450 $359.84 37%

Minneapolis-St.Paul-Bloomington, MN-WI Metropolitan Statistical Area 17,675 $451.30 36%

Missoula, MT Metropolitan Statistical Area 234 $410.55 31%

Mobile, AL Metropolitan Statistical Area 1,120 $259.93 35%

Modesto, CA Metropolitan Statistical Area 6,480 $569.88 37%

Monroe, LA Metropolitan Statistical Area 202 $208.45 27%

Monroe, MI Metropolitan Statistical Area 726 $355.27 35%

Montgomery,AL Metropolitan Statistical Area 769 $232.30 29%

Morgantown, WV Metropolitan Statistical Area 47 $384.61 38%

Morristown, TN Metropolitan Statistical Area 274 $280.65 33%

Mount Vernon-Anacortes, WA Metropolitan Statistical Area 471 $517.72 37%

Muncie, IN Metropolitan StatisticalArea 164 $187.86 29%

Muskegon, MI Metropolitan Statistical Area 578 $244.76 36%

Myrtle Beach-Conway-North Myrtle Beach, SC-NC MetropolitanStatistical Area 1,444 $386.55 36%

Napa, CA Metropolitan Statistical Area 1,087 $837.87 36%

Naples-Immokalee-Marco Island, FL Metropolitan Statistical Area 2,381 $618.81 42%

Nashville-Davidson--Murfreesboro--Franklin, TN Metropolitan Statistical Area 4,648 $314.61 32%

New Haven-Milford, CT Metropolitan Statistical Area 5,152 $481.23 36%

New Orleans-Metairie, LA Metropolitan Statistical Area 3,911 $335.72 35%

New York-Newark-Jersey City, NY-NJ-PA Metropolitan Statistical Area 96,382 $824.31 40%

Niles-BentonHarbor, MI Metropolitan Statistical Area 455 $267.56 34%

North Port-Sarasota-Bradenton, FL Metropolitan Statistical Area 5,080 $478.87 40%

Norwich-New London, CT Metropolitan Statistical Area 1,319 $488.86 37%

Ocala, FL Metropolitan Statistical Area 2,330 $362.61 37%

Ocean City, NJ Metropolitan Statistical Area 541 $479.95 33%

Odessa, TX Metropolitan Statistical Area 52 $189.73 28%

Ogden-Clearfield, UT Metropolitan Statistical Area 1,682 $365.73 28%

Oklahoma City, OK Metropolitan Statistical Area 1,659 $256.54 32%

Olympia-Tumwater, WA Metropolitan Statistical Area 999 $443.04 32%

Omaha-CouncilBluffs, NE-IA Metropolitan Statistical Area 1,646 $272.50 33%

Orlando-Kissimmee-Sanford, FL Metropolitan Statistical Area 25,418 $461.49 39%

Oshkosh-Neenah, WI Metropolitan Statistical Area 254 $278.89 35%

Owensboro, KY Metropolitan Statistical Area 106 $194.59 33%

Oxnard-Thousand Oaks-Ventura,CA Metropolitan Statistical Area 7,197 $847.14 36%

Palm Bay-Melbourne-Titusville, FL Metropolitan Statistical Area 4,307 $402.28 38%

Palm Coast, FL Metropolitan Statistical Area 1,151 $428.43 37%

Panama City, FL Metropolitan Statistical Area 569 $384.89 36%

Parkersburg-Vienna, WV Metropolitan Statistical Area 138 $218.13 33%

Pascagoula, MS Metropolitan Statistical Area 340 $243.89 31%

Pensacola-Ferry Pass-Brent, FL Metropolitan Statistical Area 1,555 $310.50 34%

Peoria, IL Metropolitan Statistical Area 415 $220.62 33%

Philadelphia-Camden-Wilmington, PA-NJ-DE-MDMetropolitan Statistical Area 25,830 $405.73 33%

Phoenix-Mesa-Scottsdale, AZ Metropolitan Statistical Area 41,787 $460.40 37%

Pine Bluff, AR Metropolitan Statistical Area 70 $248.85 35%

Pittsburgh, PA Metropolitan Statistical Area 3,819 $267.52 34%

Pittsfield, MA Metropolitan Statistical Area 223 $330.17 33%

Pocatello,ID Metropolitan Statistical Area 165 $254.84 31%

Ponce, PR Metropolitan Statistical Area 143 $251.08 39%

Port St. Lucie, FL Metropolitan Statistical Area 4,962 $462.51 39%

Portland-SouthPortland, ME Metropolitan Statistical Area 2,407 $444.91 35%

Portland-Vancouver-Hillsboro, OR-WA MetropolitanStatistical Area 10,707 $483.57 35%

Poughkeepsie-Newburgh-Middletown, NY Metropolitan Statistical Area 4,227 $573.28 36%

Prescott, AZ Metropolitan Statistical Area 1,305 $446.30 36%

Providence-Warwick, RI-MA Metropolitan Statistical Area 10,265 $542.53 38%
Appendix 7: HAMP Activity by MSA

33

Metropolitan StatisticalArea

Permanent 

Modifications 

Started

Median 

Monthly 

Payment 

Reduction

Median Monthly 

Payment 

Reduction% of 

Pre-Modification 

Payment

Provo-Orem,UT Metropolitan Statistical Area 2,488 $465.25 32%

Pueblo, CO Metropolitan Statistical Area 561 $263.54 33%

Punta Gorda, FL Metropolitan Statistical Area 1,190 $446.61 42%

Racine, WI Metropolitan Statistical Area 705 $354.25 36%

Raleigh,NC Metropolitan Statistical Area 3,315 $343.50 32%

Rapid City, SD Metropolitan Statistical Area 136 $310.18 33%

Reading, PA Metropolitan Statistical Area 1,248 $340.90 32%

Redding, CA Metropolitan Statistical Area 1,085 $448.47 34%

Reno, NV Metropolitan Statistical Area 3,862 $525.67 36%

Richmond, VA MetropolitanStatistical Area 5,565 $372.77 32%

Riverside-SanBernardino-Ontario, CA Metropolitan Statistical Area 65,189 $643.30 37%

Roanoke, VA Metropolitan Statistical Area 689 $276.92 31%

Rochester, MN Metropolitan Statistical Area 373 $328.33 33%

Rochester,NY MetropolitanStatistical Area 1,483 $266.44 36%

Rockford, IL Metropolitan Statistical Area 1,342 $324.81 37%

Rocky Mount, NC Metropolitan Statistical Area 344 $251.64 35%

Rome, GA Metropolitan Statistical Area 167 $231.10 30%

Sacramento--Roseville--Arden-Arcade, CA Metropolitan Statistical Area 22,038 $615.09 36%

Saginaw, MI Metropolitan Statistical Area 430 $260.44 36%

Salem, OR Metropolitan Statistical Area 1,551 $385.80 34%

Salinas, CA Metropolitan Statistical Area 3,295 $876.15 40%

Salisbury, MD-DE Metropolitan Statistical Area 508 $362.22 33%

Salt Lake City, UT Metropolitan Statistical Area 5,648 $427.84 33%

San Angelo, TX Metropolitan Statistical Area 50 $182.47 26%

San Antonio-NewBraunfels, TX Metropolitan Statistical Area 3,088 $258.10 32%

San Diego-Carlsbad, CA Metropolitan Statistical Area 23,226 $770.03 36%

San Francisco-Oakland-Hayward, CA Metropolitan Statistical Area 28,342 $880.40 38%

San German, PR MetropolitanStatistical Area 78 $238.91 33%

San Jose-Sunnyvale-Santa Clara, CA Metropolitan Statistical Area 9,073 $969.82 38%

San Juan-Carolina-Caguas, PR Metropolitan Statistical Area 3,643 $302.33 38%

San Luis Obispo-Paso Robles-Arroyo Grande, CA Metropolitan Statistical Area 1,506 $773.73 37%

Sandusky, OH MetropolitanStatistical Area 214 $272.57 34%

Santa Barbara-Santa Maria-Goleta,CA Metropolitan Statistical Area 2,541 $741.38 38%

Santa Cruz-Watsonville, CA Metropolitan Statistical Area 1,436 $989.40 39%

Santa Fe, NM Metropolitan Statistical Area 591 $516.97 35%

Santa Rosa, CA Metropolitan Statistical Area 3,927 $815.59 37%

Savannah, GA Metropolitan Statistical Area 1,210 $326.24 33%

Scranton--Wilkes-Barre--Hazleton, PA Metropolitan Statistical Area 1,267 $284.07 35%

Seattle-Tacoma-Bellevue, WA Metropolitan Statistical Area 19,296 $564.53 34%

Sebastian-VeroBeach, FL Metropolitan Statistical Area 1,084 $410.64 39%

Sheboygan,WI MetropolitanStatistical Area 206 $272.38 31%

Sherman-Denison, TX MetropolitanStatistical Area 158 $236.00 32%

Shreveport-Bossier City, LA Metropolitan Statistical Area 689 $235.54 31%

Sioux City, IA-NE-SD Metropolitan Statistical Area 152 $230.78 35%

Sioux Falls, SD Metropolitan Statistical Area 235 $223.23 25%

South Bend-Mishawaka,IN-MI Metropolitan Statistical Area 925 $251.32 34%

Spartanburg, SC Metropolitan Statistical Area 776 $248.53 31%

Spokane-Spokane Valley, WA Metropolitan Statistical Area 1,416 $326.88 32%

Springfield,IL MetropolitanStatistical Area 172 $246.67 35%

Springfield, MA Metropolitan Statistical Area 2,641 $370.86 34%

Springfield, MO Metropolitan Statistical Area 735 $263.21 33%

Springfield,OH Metropolitan Statistical Area 313 $256.99 37%

St. Cloud, MN MetropolitanStatistical Area 473 $324.10 31%

St. George, UT Metropolitan Statistical Area 1,020 $538.21 37%

St. Joseph, MO-KS Metropolitan Statistical Area 167 $248.07 35%
Appendix 7: HAMP Activity by MSA

34

Metropolitan StatisticalArea

Permanent 

Modifications 

Started

Median 

Monthly 

Payment 

Reduction

Median Monthly 

Payment 

Reduction% of 

Pre-Modification 

Payment

St. Louis, MO-IL Metropolitan Statistical Area 10,287 $304.56 35%

State College, PA Metropolitan Statistical Area 130 $374.70 36%

Steubenville-Weirton, OH-WV MSA 127 $208.11 33%

Stockton-Lodi,CA Metropolitan Statistical Area 9,180 $655.36 38%

Sumter, SC Metropolitan Statistical Area 190 $224.28 32%

Syracuse,NY Metropolitan Statistical Area 697 $261.78 34%

Tallahassee, FL Metropolitan Statistical Area 1,200 $331.28 31%

Tampa-St. Petersburg-Clearwater, FL Metropolitan Statistical Area 21,194 $408.85 38%

TerreHaute, IN Metropolitan Statistical Area 167 $226.00 37%

Texarkana, TX-AR Metropolitan Statistical Area 84 $192.53 28%

Toledo, OH Metropolitan Statistical Area 2,143 $258.83 35%

Topeka, KS Metropolitan Statistical Area 259 $221.80 28%

Trenton,NJ Metropolitan Statistical Area 1,517 $491.55 37%

Tucson, AZ Metropolitan Statistical Area 5,795 $367.98 35%

Tulsa, OK Metropolitan Statistical Area 1,344 $247.92 32%

Tuscaloosa,AL Metropolitan Statistical Area 321 $288.58 31%

Tyler, TX MetropolitanStatistical Area 204 $315.85 35%

Utica-Rome,NY Metropolitan Statistical Area 315 $246.68 34%

Valdosta, GA MetropolitanStatistical Area 184 $283.88 31%

Vallejo-Fairfield, CA MetropolitanStatistical Area 6,177 $737.38 37%

Victoria, TX Metropolitan Statistical Area 40 $283.93 38%

Vineland-Bridgeton, NJ Metropolitan Statistical Area 656 $364.89 35%

Virginia Beach-Norfolk-Newport News, VA-NC Metropolitan Statistical Area 6,585 $396.35 31%

Visalia-Porterville, CA MetropolitanStatistical Area 3,690 $424.42 36%

Waco, TX Metropolitan Statistical Area 163 $208.46 31%

Warner Robins, GA Metropolitan Statistical Area 246 $275.28 33%

Washington-Arlington-Alexandria, DC-VA-MD-WV Metropolitan Statistical Area 45,570 $645.97 35%

Waterloo-Cedar Falls, IA Metropolitan Statistical Area 195 $212.70 33%

Wausau, WI Metropolitan Statistical Area 185 $301.80 37%

Wenatchee,WA Metropolitan Statistical Area 275 $363.93 29%

Wheeling, WV-OH Metropolitan Statistical Area 114 $176.00 30%

Wichita Falls, TX Metropolitan Statistical Area 59 $188.96 34%

Wichita, KS Metropolitan Statistical Area 730 $235.20 33%

Williamsport, PA Metropolitan Statistical Area 139 $210.76 29%

Wilmington,NC Metropolitan Statistical Area 1,320 $386.50 35%

Winchester, VA-WV Metropolitan Statistical Area 789 $458.76 31%

Winston-Salem,NC Metropolitan Statistical Area 1,335 $270.31 32%

Worcester, MA-CT Metropolitan Statistical Area 4,727 $509.87 36%

Yakima, WA Metropolitan Statistical Area 388 $284.84 32%

Yauco, PR Metropolitan Statistical Area 37 $211.99 36%

York-Hanover, PA Metropolitan Statistical Area 1,563 $368.98 32%

Youngstown-Warren-Boardman, OH-PA Metropolitan Statistical Area 1,206 $252.13 36%

Yuba City, CA Metropolitan Statistical Area 1,391 $501.24 36%

Yuma, AZ Metropolitan Statistical Area 1,155 $338.82 35%