Updated through June 30, 2021

60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ %

2009 63,359 10.7% 6.7% 20.8% 16.2% 31.9% 28.8% 39.9% 37.4% 45.2% 43.4% 49.2% 47.8% 54.1% 53.2%

2010 532,484 11.0% 6.7% 19.4% 15.6% 30.8% 28.0% 38.6% 36.6% 43.1% 41.6% 46.7% 45.6% 51.4% 50.5%

2011 339,310 8.4% 5.3% 15.9% 12.7% 26.1% 23.7% 31.8% 30.0% 35.9% 34.6% 39.4% 38.4% 44.5% 43.6%

2012 195,894 7.0% 4.3% 13.2% 10.3% 21.3% 19.0% 26.2% 24.6% 29.8% 28.6% 33.6% 32.6% 37.8% 37.0%

2013 147,264 6.5% 3.8% 12.2% 9.5% 19.3% 17.3% 23.7% 22.1% 27.8% 26.5% 31.8% 30.7% 34.8% 34.0%

2014 86,433 7.4% 4.7% 13.4% 10.6% 20.9% 18.7% 26.3% 24.6% 30.8% 29.5% 33.9% 32.8% 39.9% 39.2%

2015 58,370 8.4% 5.3% 15.0% 11.8% 23.7% 21.2% 29.3% 27.5% 32.7% 31.3% 38.0% 37.2% 42.0% 41.7%

2016 37,191 9.0% 5.6% 16.7% 13.0% 25.5% 23.2% 30.5% 28.6% 36.6% 35.5% 39.7% 39.3%

2017 13,134 9.4% 6.0% 17.0% 13.7% 24.7% 22.0% 31.1% 29.3% 35.2% 34.6%

All 1,473,439 9.0% 5.5% 16.5% 13.1% 26.3% 23.8% 32.6% 30.8% 37.0% 35.6% 40.7% 39.7% 45.5% 44.6%

60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ %

2012 1,356 9.8% 5.4% 23.5% 17.3% 33.3% 28.5% 38.9% 34.3% 41.9% 39.7% 47.5% 45.6% 48.4% 47.1%

2013 37,327 13.1% 7.8% 22.5% 17.3% 32.2% 28.8% 37.3% 34.8% 43.5% 41.5% 47.2% 45.8% 51.3% 50.2%

2014 48,915 12.3% 7.1% 20.9% 16.2% 31.0% 27.6% 38.1% 35.4% 43.7% 41.9% 47.2% 45.8% 56.5% 55.8%

2015 58,640 13.4% 7.8% 22.6% 17.5% 33.7% 30.1% 40.4% 38.0% 44.2% 42.3% 49.9% 49.1% 57.5% 57.1%

2016 53,305 13.1% 7.5% 22.9% 17.6% 33.5% 30.0% 38.5% 36.1% 44.8% 43.6% 47.4% 46.9%

2017 20,225 12.2% 7.0% 21.1% 16.6% 29.5% 26.2% 35.9% 34.1% 39.7% 39.0%

All 219,768 12.9% 7.5% 22.1% 17.1% 32.4% 28.9% 38.5% 36.1% 43.7% 42.1% 48.1% 47.1% 55.0% 54.2%

60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ % 60+ % 90+ %

2016 27,480 21.9% 14.1% 33.4% 27.5% 45.4% 41.7% 52.3% 49.9% 60.1% 59.2% 61.0% 60.4%

2017 17,055 18.7% 11.4% 33.3% 27.0% 43.4% 39.7% 50.9% 48.7% 55.0% 54.3%

All 44,535 20.7% 13.1% 33.3% 27.3% 44.6% 40.9% 51.8% 49.4% 58.2% 57.3% 61.0% 60.4%

Permanent Month 72

Modifications 

Started

Month 24 Month 36 Month 48 Month 60 Month 72

Performance of HAMP Permanent Modifications - Streamline HAMP

Permanent 

Modifications 

Started

Month 12 Month 24 Month 36 Month 48 Month 60

Home Affordable Modification Program (HAMP) Performance Summary

Common factors driving HAMP modification performance include the amount of the reduction in the monthly mortgage payment, 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. The majority of homeowners who disqualify from a HAMP permanent modification receive an alternative 

to foreclosure or resolve their delinquency.

Performance of HAMP Permanent Modifications - Tier 1

Although the Making Home Affordable (MHA) Program is now closed, servicers continue to perform certain functions, such as receiving and disbursing financial incentive payments, 

processing interest rate step-ups, and reporting the payment status of modified loans to Treasury’s system of record. Treasury continues to monitor remaining activities and publish relevant 

updates on www.financialstability.gov, where additional information regarding MHA can also be found.

The tables below show the total number of HAMP permanent modifications ever begun, and their performance by type, with the delinquency percentages of modifications that have aged to, 

or past, the number of months noted. 

Permanent 

Modifications 

Started

Note: This report is based on data as reported by MHA servicers. 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 90+ days delinquent 

metrics for all future reporting periods, even though some loans may have cured or paid off following program disqualification. In addition, if a loan is reported as paid off it is no longer reflected in future periods.

Modification Month 24 Month 36 Month 48 Month 60 Month 72

Effective

Year

Month 6 Month 12

Performance of HAMP Permanent Modifications - Tier 2

Modification

Effective

Year

Month 6 Month 12

Modification

Effective

Year

Month 6