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Making Home Affordable
Program Performance Report through the Fourth Quarter 2017

PROGRAM PERFORMANCE REPORT
THROUGH THE FOURTH QUARTER OF 2017

MHA AT-A-GLANCE
Nearly Three Million Homeowner Assistance Actions have taken place under
Making Home Affordable (MHA) programs
PROGRAM VOLUMES THROUGH THE FOURTH QUARTER OF 2017

1MP

2MP

HAFA

PTD: 2.3M

PTD: 166K

PTD: 476K

The MHA Program closed to new applicants on December 31, 2016. As set forth in program
guidelines, MHA servicers were required to evaluate applications submitted by the deadline
and offer modifications to eligible applicants. Servicers were required to design policies and
procedures to reasonably ensure that all MHA transactions were completed by December 1,
2017. Data through the fourth quarter of 2017 represents cumulative MHA activity through
the required completion date. However, MHA servicers may submit corrections to previously
reported data on or before May 1, 2018. At that time, Treasury will update the relevant figures
in this report to reflect any such corrections.
Although the MHA Program is now closed, servicers will continue to perform certain functions.
This includes, for example, receiving and disbursing financial incentive payments, processing
interest rate step-ups, and reporting MHA data to Treasury’s system of record.
MHA Program Activity1,2
MHA First Lien Permanent Modifications Started

2,264,771

HAMP Tier 1

1,473,195

HAMP Tier 2

217,939

Streamline HAMP

44,007

GSE Standard Modifications (SAI)

380,465

Treasury FHA and RD HAMP

149,165

2MP Modifications Started

166,415

HAFA Transactions Completed

476,348

UP Forbearance Plans Started

46,485

Cumulative Activity

2,954,019

2

Making Home Affordable
Program Performance Report through the Fourth Quarter 2017

Table of Contents
PROGRAM UPDATES:
MHA Updates

2

HAMP PROGRAM RESULTS:
HAMP Summary
HAMP Application Outcomes
HAMP Modification Characteristics
HAMP Tier 1 Payment Adjustment Summary
Performance of Permanent HAMP Modifications
Homeowners with Disqualified Modifications

4
4
5
6
7-9
9

OTHER MHA PROGRAMS:
Post-Modification Counseling
Principal Reduction Alternative
2MP Program
HAFA Program

10
11
12
13

RESULTS BY SERVICER:
MHA Program Activity by Servicer and Investor
Servicer Performance

14
15

APPENDIX:
Program Notes
Terms and Methodologies
End Notes
HAMP Activity by State
HAMP Tier 1 Scheduled Interest Rate Increases by State
HAMP Performance Data by Vintage
HAMP Activity by MSA

Note: For more information and quarterly updates about HHF, please visit the program website or the TARP Monthly Report
to Congress. For information and quarterly updates about efforts taken by the Government Sponsored Enterprises (GSEs)
beyond their participation in MHA which is not reflected in this report please visit the Federal Housing Finance Agency’s
Foreclosure Prevention Report. For information on efforts undertaken by the Federal Housing Administration (FHA) please
visit its website.

A-1
A-2
A-3
A-4
A-5
A-6
A-7

3

Making Home Affordable: HAMP Program Results
Program Performance Report through the Fourth Quarter 2017
HAMP Summary
All Trials Started3

Trial
Modifications

2,537,629

Tier 1

2,239,631

Tier 2

237,662

Streamline HAMP

60,336

Trial Modifications Cancelled*

801,225

All Permanent Modifications Started
Permanent
Modifications

1,735,141

Active Permanent Modifications

875,215

Permanent Modifications Paid-Off

197,278

Permanent Modifications Disqualified **

648,037

* When Treasury launched HAMP in the spring of 2009, in an effort to provide assistance to struggling homeowners as soon as
possible, servicers were not required to verify a homeowner’s income prior to commencing a trial modification. This resulted in many
trials being cancelled if the homeowner could not ultimately provide the requisite documentation. Beginning in June 2010, servicers
were required to verify a homeowner’s income prior to offering trial modifications, which substantially reduced the number of trial
cancellations. A total of 673,920 trials started before June 2010 have been cancelled.
** Does not include 14,611 loans withdrawn.

Outcome for Homeowners Who Did Not Receive a HAMP Modification
While not all homeowners qualify for HAMP, many have found alternative solutions to their delinquency. For homeowners
who were not approved for a HAMP trial modification, or for those whose HAMP trial modifications were cancelled:
•

58% received an alternative modification or resolved their delinquency.

•

23% were referred to foreclosure.
Status of Homeowners Not Accepted for a HAMP Trial Modification or
Those Whose HAMP Trial Modification was Cancelled
1%
2%
Action Pending

22%

Action Not Allowed – Bankruptcy in Process
38%

1%

Borrower Current / Loan Payoff
Alternative Modification / Payment Plan
Short Sale / Deed-in-Lieu

15%

Foreclosure Starts
Foreclosure Completions
20%

4
Source: Survey data from large servicers4

Making Home Affordable: HAMP Program Results
Program Performance Report through the Fourth Quarter 2017
Select HAMP Modification Characteristics*
Aggregate payment savings to homeowners who received HAMP first lien permanent modifications are estimated at
nearly $55 billion program-to-date, compared with unmodified mortgage obligations.
HAMP modifications follow a series of waterfall steps that include capitalization, interest rate adjustment, term
extension, and principal forbearance/forgiveness.
HAMP has two evaluation tiers, as well as a streamlined modification process introduced in January 2016:
• Under HAMP Tier 1, servicers apply the modification steps in sequence until the homeowner’s post-modification
front-end debt-to-income (DTI) ratio is 31%. The impact of each modification step can vary to achieve the target of
31%.
• Under HAMP Tier 2, servicers apply the modification steps simultaneously to achieve a post-modification DTI that
falls within an allowable range (subject to investor restrictions). HAMP Tier 2 applies to non-GSE mortgages only.
• Under Streamline HAMP, seriously delinquent homeowners who have not been able to complete a HAMP
application may be eligible to receive mortgage assistance through a combination of modification steps similar to
HAMP Tier 2. Unlike Tier 1 and Tier 2, Streamline HAMP does not require that borrowers document their income.
Modification Steps for Permanent Modifications

Homeowner Characteristics

All permanent modifications reflect some combination of
the following modification steps:

Characteristic

Tier 1

Tier 2

Streamline

All

Modification Step

Tier 1

Tier 2

Streamline

All

$3,913

$4,993

N/A

$4,020

Interest Rate
Reduction

95.7%

70.5%

81.5%

92.2%

Median
Monthly Gross
Income

Term Extension

60.5%

88.5%

98.7%

65.0%

Median Credit
Score

566

561

586

565

Principal
Forbearance

31.4%

30.8%

24.3%

31.2%

Median
$178,500
Property Value

$160,000

$156,800

$175,000

Select Median Permanent Modification Characteristics
Loan
Before
After
Characteristic Modification Modification
Front-End Debt-to-Income Ratio

Median
Decrease

Tier 1

43.7%

31.0%

-13.4 pct pts

Tier 2

28.3%

21.3%

-6.7 pct pts

Combined

42.6%

31.0%

-12.1 pct pts

Additional HAMP Tier 2 Characteristics
Of the HAMP Tier 2 trial modifications started:
•

30% were previously in another HAMP trial or
permanent modification.

•

10% were previously evaluated for HAMP and did
not meet eligibility requirements.

•

6% were non-owner-occupied properties.

Back-End Debt-to-Income Ratio
Tier 1

66.9%

50.0%

-13.7 pct pts

Tier 2

44.9%

37.3%

-6.7 pct pts

Combined

64.1%

48.1%

-12.4 pct pts

Monthly Housing Payment**
Tier 1

$1,378.22

$811.44

($497.44)

Tier 2

$1,032.86

$663.45

($334.32)

$898.64

$556.15

($315.09)

$1,325.44

$788.36

($465.90)

Streamline
All

*HAMP modification characteristics reflect data at the date
of modification.
**Excludes the impact of any interest rate increases and reamortization of capitalized homeowner incentives which
may begin to occur after the fifth year of the HAMP
Tier 1 modification.

5

Making Home Affordable: HAMP Program Results
Program Performance Report through the Fourth Quarter 2017
HAMP Tier 1 Payment Adjustment Summary
The HAMP Tier 1 modification was designed to reduce a homeowner’s monthly mortgage payment to an affordable level,
approximately 36% of the median before-modification payment.
Under HAMP Tier 1, servicers apply a uniform loan modification waterfall to achieve a monthly mortgage payment of 31%
DTI: capitalization, principal forgiveness (optional), interest rate reduction, term extension, principal forbearance. The
interest rate is reduced in increments to achieve the target 31% DTI with an interest rate floor of 2%. After five years, the
interest rate may begin to increase 1% per year (or less) until the Primary Mortgage Market Survey (PMMS) rate at time of
modification is reached (PMMS averaged 5.04% in 2009 and 3.65% in 2016), at which time the interest rate will be fixed
for the remaining loan term.

HAMP Tier 1 Interest Rate Increases
•

•

•

Approximately 80% of HAMP Tier 1 homeowners will experience an interest rate increase after five years.
o The majority of HAMP homeowners will experience two to three interest rate increases.
o The median amount of the first monthly payment increase is $93, and the median monthly payment increase
after the final interest rate increase is $208.
Through December 2017, more than 550,000 homeowners have experienced one interest rate step-up, and
approximately 427,000 have experienced a second rate step-up.
o Based on reported data, the rate increase does not appear to have an impact on the performance of these
modifications. The percentage of modifications disqualifying in the month following the reset remains consistent
with the months leading up to the reset, at less than or equal to 1%.
To help mitigate the impact of interest rate step-ups, servicers can offer borrowers the opportunity to recast their
HAMP modifications upon reaching their sixth-year anniversary. To date, nearly 68,000 loans have been recast,
approximately 90% of which experienced an interest rate step-up. Monthly payments for recast loans have been
reduced by a median of $56.
Number of Interest Rate Increases by Year*
500,000
450,000
400,000

Number of Loans

350,000
300,000
250,000
200,000
150,000
100,000
50,000
0
2014

2015

2016

First Increase

2017

2018

2019

Second Increase

2020

2021

Third Increase

* As of December 2017. Assumes no future re-defaults of HAMP Tier 1 modifications.
See Appendix 5 for additional information on HAMP Tier 1 interest rate increases by state.

2022

2023

2024

2025

Fourth Increase

6

Making Home Affordable: HAMP Program Results
Program Performance Report through the Fourth Quarter 2017
Performance of HAMP Permanent Modifications
Performance of HAMP modifications varies across modification types and vintages. The tables below show the
performance of HAMP permanent modifications by type at various seasoning points for those modifications that have
aged to, or past, the number of months noted. Streamline HAMP and HAMP Tier 2 were introduced after HAMP Tier 1.

Streamline HAMP

HAMP Tier 2

HAMP Tier 1

# Months Post
Modification 2009

3
6
12
18
24
30
36
42
48
54
60

2.1%
6.7%
16.3%
22.9%
28.8%
33.3%
37.5%
41.1%
43.5%
46.0%
47.9%

# Months
Post
Modification
3
6
12
18
24
30
36
42
48
54

# Months
Post Modification

3
6
12
18

% of Disqualified HAMP Tier 1 Modifications5

2010

2011

2012

2013

2014

1.7%
6.8%
15.6%
22.7%
28.1%
32.6%
36.6%
39.4%
41.7%
43.6%
45.6%

1.2%
5.3%
12.7%
18.9%
23.8%
27.3%
30.1%
32.5%
34.7%
36.5%
38.5%

1.0%
4.3%
10.3%
15.3%
19.1%
22.1%
24.6%
26.7%
28.6%
30.5%
32.6%

0.8%
3.8%
9.5%
14.0%
17.3%
19.9%
22.1%
24.2%
26.5%
28.7%
30.4%

1.2%
4.7%
10.7%
15.3%
18.8%
21.8%
24.5%
26.5%
27.2%

2015

2016

Q1
1.3% 1.3% 1.2%
5.3% 5.6% 4.6%
11.8% 12.9% 11.2%
17.1% 18.7%
21.1% 23.5%
24.3%
26.8%

2017
Q2
Q3
1.5% 1.6%
7.0% 7.3%

Q4
2.2%

ALL
1.3%
5.5%
13.1%
19.2%
23.9%
27.7%
31.0%
33.7%
36.2%
38.7%
41.3%

% of Disqualified HAMP Tier 2 Modifications5

2012 2013 2014 2015 2016

N/A

1.3%
5.4%
17.3%
23.2%
28.6%
32.1%
34.5%
37.7%
39.8%
41.6%

1.9%
7.9%
17.3%
24.6%
29.0%
32.4%
34.9%
38.0%
41.5%
43.1%

1.7%
7.1%
16.2%
22.6%
27.6%
31.6%
35.4%
38.5%
41.7%

Q1
1.8% 1.7% 1.4%
7.9% 7.5% 6.5%
17.6% 17.6% 16.5%
24.7% 25.1%
30.1% 29.9%
34.7%
37.0%

2017
Q2
Q3
1.5% 2.2%
7.4% 7.4%

Q4
2.5%

ALL
1.7%
7.5%
17.2%
24.2%
29.0%
32.7%
35.3%
38.2%
41.5%
43.0%

% of Disqualified Streamline HAMP Modifications5
2017
2016
ALL
Q1
Q2
Q3
Q4
4.4% 2.2% 3.3% 2.3% 2.6% 3.7%
14.3% 10.5% 12.9% 10.9%
13.1%
N/A
27.7% 23.8%
27.2%
38.4%
38.4%

7

Making Home Affordable: HAMP Program Results
Program Performance Report through the Fourth Quarter 2017
Drivers of Performance for HAMP Tier 1 and HAMP Tier 2 Modifications
The most significant factor driving HAMP modification performance is the amount of the reduction in the monthly
mortgage payment, followed by the length of the homeowner’s delinquency at the start of the trial modification and the
homeowner’s credit score at the time of modification.
Performance by Monthly Payment Reduction
Payment reduction is strongly correlated with permanent modification sustainability. For modifications seasoned 24
months, 15% of modifications with a monthly payment reduction greater than 50% have been disqualified due to missing
three payments, compared to a disqualification rate of nearly 38% where the payment had been cut by 20% or less.

<=20%

20%-30%

30%-40%

40%-50%

>50%

90+ Day Delinquency Rate

70%
60%
50%
40%
30%
20%
10%
0%
12

18

24

30

36

42

48

54

60

Months After Conversion to Permanent Modification

Performance by Credit Score at the Time of Modification
Homeowners with credit scores between 580-619 at the
time of modification experienced nearly a 20% re-default
rate in the subsequent 24 months, compared to a rate of
10% for homeowners whose credit scores were above
660.
< 580

580 - 619

620 - 660

Performance by Delinquency at Trial Start
Homeowners who were 31 to 90 days delinquent at the
start of the HAMP trial period experienced a 21% redefault rate in the subsequent 24 months, compared to
28% for homeowners whose delinquency was between
121 and 210 days at trial start.

60%

90+ Day Delinquency Rate

60%

90+ Day Delinquency Rate

<= 30 Days
91 - 120 Days
> 210 Days

> 660

50%
40%
30%
20%
10%
0%
12

18

24

30

36

42

48

54

60

Months After Conversion to Permanent Modification

31 - 90 Days
121 - 210 Days

50%
40%
30%
20%
10%
0%
12

18

24

30

36

42

48

54

60

Months After Conversion to Permanent Modification

8

Making Home Affordable: HAMP Program Results
Program Performance Report through the Fourth Quarter 2017
HAMP Tier 1 Performance by Investor
Modifications of private label security loans have the
highest delinquency rates.
Portfolio

Loans previously modified under HAMP Tier 1 are more
likely to disqualify from a Tier 2 modification.

Private

60%
50%
40%
30%
20%
10%
0%
12
18
24
30
36
42
48
54
60
Months After Conversion to Permanent Modification

With Prior Tier 1 Modification

90+ Day Delinquency Rate

90+ Day Delinquency Rate

GSE

HAMP Tier 2 Performance by Prior Modification History

Without Prior Tier 1 Modification

60%
50%
40%
30%
20%
10%
0%
12

18
24
30
36
42
48
Months After Conversion to Permanent Modification

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

Incremental Performance of HAMP Modifications over Time
The longer homeowners remain in HAMP without defaulting, the less likely they are to default on their mortgage in the
future. For example, the percent of loans active in month 12 that disqualified by month 15 is lower than the percent of
loans active in month six that disqualified by month nine.

3-Month Re-default Rate

Conditional Re-default Rate for Tier 1 and Tier 2 Modifications by Modification Year
(% of Active Loans)

2009

6%

2010

5%

2011

4%

2012

3%

2013

2%

2014

1%

2015

0%
6

9

12

15

18

21
24
27
30
33
36
39
42
45
48
Months After Conversion to Permanent Modification

51

54

57

60

2016
2017

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.

Homeowners with Disqualified HAMP Permanent Modifications
The majority of homeowners who disqualify from a HAMP permanent modification receive an alternative to foreclosure
or resolve their delinquency. Homeowners can also take advantage of other MHA and/or government sponsored
assistance programs. Of the homeowners who have missed three payments, and therefore disqualified from HAMP,
approximately 25% have been referred to foreclosure.
Status of Disqualified HAMP Permanent Modifications
Action Pending
Action Not Allowed – Bankruptcy in Process
Borrower Current / Loan Payoff
Alternative Modification / Payment Plan
Short Sale / Deed-in-Lieu
Foreclosure Starts
Foreclosure Completions
Source: Survey data from large servicers4

7%
20%

3%

19%
5%
13%
33%

9

Making Home Affordable: Other MHA Programs
Program Performance Report through the Fourth Quarter 2017
Post-Modification Counseling
Since March 2014, Treasury has required certain HAMP participating servicers to offer free financial counseling to homeowners
with non-GSE loans who are either entering a HAMP trial modification, or are in a permanent HAMP modification and are
determined to be at risk of re-default. The counseling is designed to help homeowners stay in their modification by addressing
the homeowner’s current overall financial situation and the financial hardship that caused the homeowner to default on his or
her mortgage loan.
Through December 2017, participating servicers have made nearly 644,000 referrals to financial counseling. Of these:
•
55% are permanent modifications considered by the servicers to be at risk of disqualifying from HAMP, and 45%
are new trial modifications.
•
Nearly 48,500 referrals started financial counseling resulting in an overall take-up rate of 7.5%.

Counseling Referral Activity by Servicer
At-Risk

New Trials

250,000
200,000
150,000
100,000
50,000
0
Bank of CitiMortgage, JPMorgan
Nationstar Ocwen Loan
Select
Wells Fargo
America, N.A.
Inc.
Chase Bank, Mortgage LLC Servicing, LLC Portfolio
Bank, N.A.
N.A.
Servicing, Inc.
% of Referrals
Who Take Up
Counseling

4%

9%

16%

2%

6%

8%

9%

Other
Servicers

8%

Performance of Borrowers Who Participated in Counseling

90+ Day Delinquency Rate

Borrowers in a new HAMP trial modification who participate in financial counseling at the start of their trial modification
perform better following counseling than borrowers who do not participate. For example, 12 months after counseling, 12%
of borrowers who participated in counseling disqualified from their HAMP modification, compared to more than 16% for
those who did not.
Participated in Counseling

35%

Did Not Participate in Counseling

30%
25%
20%
15%
10%
5%
0%
Month 3

Month 6

Month 12

Month 18

Month 24

Month 30

Month 36

Month 42

Note: Data on Post-Modification Counseling is collected from sixteen servicers via survey. Servicer take-up rates will vary due to timing of referrals
and individual servicer program design. Borrower performance data is limited by servicer program design.

10

Making Home Affordable: Other MHA Programs
Program Performance Report through the Fourth Quarter 2017
The HAMP Principal Reduction Alternative
The HAMP Principal Reduction Alternative (PRA) has broadened the use of principal reduction in mortgage modifications
as a tool to help underwater homeowners. Servicers of non-GSE loans are required to evaluate the benefit of principal
reduction under HAMP PRA for mortgages with a loan-to-value (LTV) ratio greater than 115% when evaluating a
homeowner for a HAMP modification. While servicers are required to evaluate homeowners for principal reduction, they
are not required to reduce principal as part of the modification.
Under HAMP, servicers provide principal reduction on HAMP modifications in two ways:
• Under HAMP PRA, principal is reduced to lower the LTV, the investor is eligible to receive an incentive on the amount
of principal reduced, and the reduction vests over a 3-year period.
• Servicers can also offer principal reduction to homeowners on a HAMP modification outside the requirements of
HAMP PRA. If they do, the investor receives no incentive payment for the principal reduction and the principal
reduction can be recognized immediately.
HAMP Modifications
with Earned Principal
Reduction Under
PRA6

Trials Started with Principal Reduction as
a % of Eligible Loans

All Permanent Modifications Started
Active Permanent Modifications
Median Principal Amount Reduced for Permanent
Modifications Started7
Median Principal Amount Reduced for Permanent
Modifications Started (%)8
Total Outstanding Principal Balance Reduced on
Permanent Modifications Started7

HAMP Modifications
with Upfront
Principal Reduction
Outside of PRA

Total HAMP
Modifications with
Principal
Reduction

245,316
151,335

55,514
33,110

300,830
184,445

$62,646

$51,300

$60,026

31.7%

18.0%

30.2%

$21,016,578,847

$3,529,114,403

$24,545,693,250

90%
80%

72%

70%

61%

57%

60%
46%

50%

69%
58%

67%
61%

65%

68% 69%

61%

62% 64%

48%

40%
30%

24%

20%
2009-2010

2011

2012

PRA

2013

2014

2015

2016

2017

All Principal Reduction

Modification Characteristics: HAMP vs. HAMP with Principal Reduction
All HAMP Modifications
Permanent Modifications – Median LTV ratio:
- Before Modification
113.8%
- After Modification
114.0%
Permanent Modifications – Median Before Modification Debt-to-Income (DTI) ratio:
42.6%
- Front-End DTI
64.1%
- Back-End DTI

Total HAMP Modifications with
Principal Reduction
138.8%
105.0%
41.8%
53.6%

11

Making Home Affordable: Other MHA Programs
Program Performance Report through the Fourth Quarter 2017
The Second Lien Modification Program
The Second Lien Modification Program (2MP) provides additional assistance to homeowners in a first lien permanent
modification who have an eligible second lien with a participating servicer, including second liens with a qualifying first lien
modified under the GSEs’ Standard Modification program. This assistance can result in a modification of the second lien, as
well as a full or partial extinguishment of the second lien.
Second lien modifications follow a series of steps that may include capitalization, interest rate reduction, term extension,
and principal forbearance or forgiveness.
All Second Lien Modifications Started (Cumulative)*

166,415

Second Lien Modifications Involving Full Lien Extinguishments

49,395

Active Second Lien Modifications**

72,298

Active Second Lien Modifications Involving Partial Lien Extinguishments

9,621

* Includes 9,393 loans that have a qualifying first lien GSE Standard Modification.
** Includes 9,294 loans in active non-payment status whereby the 1MP modification has disqualified from HAMP. As a result, the servicer is no
longer required to report payment activity on the 2MP modification.

2MP Modification Characteristics
Median Monthly Payment Reduction:
Second lien official modifications

Debt Extinguishment:
HAMP homeowners receiving partial or full extinguishment

Reduction on second lien only

$153

Total Outstanding Principal Balance Extinguished

Combined first and second lien reduction

$781

% of total monthly payment

42%

Top Three States by Activity:
Percent of total 2MP modifications started

Second lien full extinguishments
Combined first and second lien reduction
% of total monthly payment

$959
51%

$3.7B

California

33%

Florida

10%

New York

7%

12

Making Home Affordable: Other MHA Programs
Program Performance Report through the Fourth Quarter 2017
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 $10,000* in relocation assistance at closing.
*Prior to February 1, 2015, homeowners received $3,000.

HAFA Activity by Investor Type
Participating servicers must consider all homeowners denied for HAMP for a short sale or deed-in-lieu of foreclosure
through the HAFA program. However, individual investors can impose additional eligibility requirements.
Private
Short Sale
Deed-in-Lieu
Total Transactions Completed

Portfolio

GSE

Total

160,751

56,820

189,081

406,652

12,415

5,315

51,966

69,696

173,166

62,135

241,047

476,348

Characteristics of Non-GSE HAFA Activity
Non-GSE HAFA Debt Relief & Release of Subordinate Liens
Through HAFA, homeowners can be relieved of significant
unpaid principal balances.
Median Unpaid Principal Balance Before HAFA

$270,276

Median Sales Price

$167,000

Median Debt Relief

$113,407

In 14% of HAFA transactions completed, the
homeowner began a HAMP trial modification but later
requested a HAFA agreement or was disqualified from
HAMP.
Non-GSE HAFA Activity by State

Median Debt Relief as % of UPB
Total Debt Relief (cumulative)

Total subordinate liens released (cumulative)

% of HAFA Transactions
Completed

44%

California

33%

Florida

16%

Nevada

5%

$30.3B

In addition to satisfying the primary mortgage debt, as part of
a HAFA short sale or deed-in-lieu the homeowner must be
fully released from liability for subordinate liens.
% of HAFA transactions completed that included
release of a homeowner’s subordinate liens

Top Three States by
HAFA Activity:

39%
$628.8M

13

Making Home Affordable: Results by Servicer
Program Performance Report through the Fourth Quarter 2017
Making Home Affordable Program Activity by Servicer
As of December 2017, there were 130 servicers that participate in Treasury’s MHA programs, but seven servicers make
up more than three quarters of non-GSE HAMP modifications. Program activity for these servicers is provided below.

Servicer

HAMP Tier 1 HAMP Tier 2
Permanent
Permanent
Modifications Modifications

Streamline
HAFA10 nonPRA9
HAMP
2MP
GSE
Permanent
Permanent
Modifications Transactions
Modifications
Modifications
Completed

Bank of America, N.A.

93,710

6,913

N/A*

4,066

42,423

50,069

CitiMortgage, Inc.

27,984

3,339

776

2,719

20,867

2,551

JPMorgan Chase Bank, N.A.

157,026

6,645

2,568

24,840

45,288

38,454

Nationstar Mortgage LLC

185,473

27,997

5,025

11,651

9,877

12,051

Ocwen Loan Servicing, LLC

245,576

85,630

18,789

119,712

N/A*

30,054

Select Portfolio Servicing, Inc.

138,890

33,901

11,279

25,517

N/A*

23,646

Wells Fargo Bank, N.A.

187,529

12,866

186

29,413

25,383

45,847

Other Servicers

437,007

40,648

5,384

27,398

22,577

32,629

1,473,195

217,939

44,007

245,316

166,415

235,301

Total
*Servicer does not participate.

HAMP Permanent Modifications by Investor
All HAMP Permanent Modifications
Servicer
GSE
Bank of America, N.A.
CitiMortgage, Inc.
JPMorgan Chase Bank, N.A.
Nationstar Mortgage LLC
Ocwen Loan Servicing, LLC
Select Portfolio Servicing, Inc.
Wells Fargo Bank, N.A.
Other Servicers
Total

Private
38,969
13,232
66,904

119,293
22,793
24,474
71,517
303,184
660,366

Portfolio

Total

43,530

18,124

100,623

8,531

10,336

32,099

53,403

45,932

166,239

90,125

9,077

218,495

305,451

21,751

349,995

130,477

29,119

184,070

39,970

89,094

200,581

107,183

72,672

483,039

778,670

296,105

1,735,141

14

Making Home Affordable: Results by Servicer
Program Performance Report through the Fourth Quarter 2017
Servicer Performance
Treasury Monitors Performance of Participating Mortgage Servicers
Treasury has monitored the performance of participating mortgage servicers since the MHA Program’s inception
in 2009. Freddie Mac, acting as Treasury’s compliance agent, created a separate division known as Making Home
Affordable–Compliance (MHA-C), which evaluates servicers’ compliance with MHA guidelines through regular
compliance reviews.
Over the years, these reviews have assessed servicers’ compliance with MHA guidelines in many areas, such as:
•
Identifying and contacting homeowners who are potentially eligible for MHA;
•
Evaluating homeowners’ eligibility for MHA programs and communicating decisions;
•
Remitting or applying financial incentives for the benefit of eligible homeowners;
•
Processing interest-rate step-ups, loan recasts and related notices to borrowers;
•
Processing MHA-modified loans that have lost good standing or are included in a transfer of
servicing; and
•
Reporting MHA data to Treasury’s system of record.
MHA-C reports the results of each compliance review to Treasury and the servicer. This approach provides
Treasury with comprehensive insight into how each servicer is implementing MHA programs.
Consequences of Non-Compliance
It is important to note that servicer participation in MHA is based on a contract with Fannie Mae, as financial
agent on behalf of Treasury. Treasury does not regulate these institutions and does not have the authority to
impose fines or penalties. Treasury can, pursuant to the contract, take certain remedial actions against servicers
not in compliance with MHA guidelines. This includes requiring the servicer to correct identified instances of noncompliance, identify and re-evaluate affected loans, perform a retroactive analysis when an issue is potentially
systemic, and enhance the effectiveness of the servicer’s internal controls. In addition, Treasury can implement
financial remedies, such as withholding financial incentive payments owed to servicers until non-compliance is
corrected.
MHA Wind-Down
The Consolidated Appropriations Act, 2016, signed into law on December 18, 2015, provided that the MHA
Program would terminate on December 31, 2016, except with respect to certain loan modification applications
made before such date. As set forth in program guidelines, MHA servicers were required to evaluate applications
submitted before the deadline and offer trial modifications to eligible applicants. All MHA transactions must be
completed by December 1, 2017.
Following the completion of all MHA transactions on December 1, 2017, Treasury will continue to monitor
servicer compliance with respect to those MHA guidelines that pertain to post-modification activities, and
require remedial action as described above.

15

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 1: Program Notes
The Home Affordable Modification Program (HAMP) provides eligible homeowners the opportunity to lower their first lien mortgage
payment through a loan modification. HAMP includes Tier 1, which offers modifications for Government Sponsored Enterprise (GSE)
and non-GSE homeowners; HAMP Tier 2, which offers modifications for non-GSE homeowners; and Streamline HAMP, which offers
modifications for non-GSE homeowners.
HAMP Tier 2 is modeled after the GSE Standard Modification, which was created in October 2011 when the GSEs launched the
Servicer Alignment Initiative (SAI). HAMP Tier 2 expands eligibility to include homeowners with properties currently occupied by a
tenant as well as vacant properties the homeowner intends to rent.
Streamline HAMP is modeled after the GSE Streamlined Modification, which was launched in July 2013. Streamline HAMP provides
seriously delinquent homeowners the opportunity to receive a modification with no income documentation and reduced hardship
documentation.
Treasury FHA-HAMP provides first lien modifications for distressed homeowners in loans insured or guaranteed through the Federal
Housing Administration (FHA). The FHA introduced FHA-HAMP to provide assistance to borrowers with FHA-insured loans who are
unable to meet their mortgage payments. Treasury pays incentives to servicers for FHA-insured first lien non-GSE mortgages that are
modified under Treasury FHA-HAMP guidelines.
RD-HAMP provides first lien modifications for distressed homeowners in loans guaranteed through the Rural Housing Service.
The Second Lien Modification Program (2MP) provides modifications and extinguishments on second liens when there has been an
eligible HAMP Tier 1, Tier 2, or GSE Standard Modification first lien modification, on the same property.
The Home Affordable Foreclosure Alternatives (HAFA) Program provides transition alternatives to foreclosure in the form of a short
sale or deed-in-lieu of foreclosure. The GSE Standard HAFA program is closely aligned with Treasury’s MHA HAFA program.
The Home Affordable Unemployment Program (UP) provides temporary forbearance of mortgage principal to enable unemployed
homeowners to look for a new job without fear of foreclosure.
General MHA Program Notes:
MHA Program Effective Dates:
HAMP First Lien: April 6, 2009
PRA: October 1, 2010
2MP: August 13, 2009
HAFA: April 5, 2010
MHA programs terminated on December 31, 2016, except with respect to certain loan modification applications made before that
date. Reporting will continue, however.
HAMP, PRA, Treasury FHA-HAMP, RD-HAMP, 2MP, and HAFA program data include activity reported into the HAMP system of record
through the end of cycle for the current reporting month, though the effective date may occur in the following month.
MHA First Lien Program Notes:
MHA First Lien Permanent Modifications Started includes HAMP Tier 1, HAMP Tier 2, Streamline HAMP, GSE Standard Modifications
and both Treasury FHA- and RD-HAMP. HAMP Tier 1 includes both GSE and non-GSE modifications. Treasury's FHA-HAMP and RDHAMP are similar to HAMP Tier 1. The GSEs do not participate in HAMP Tier 2; however, the GSE Standard Modification is similar to
HAMP Tier 2. The GSEs do not participate in Streamline HAMP; however, the GSE Streamlined Modification is similar to Streamline
HAMP. While Streamline HAMP is modeled after GSE Streamlined Modification, GSE Streamlined Modification data is not included in
this report.
GSE Standard Modification data is provided by Fannie Mae and Freddie Mac as of December 2017. The GSEs undertake other
foreclosure prevention activities beyond their participation in MHA, including the GSE Streamlined Modification, that are not reflected
in this report. The latest Federal Housing Finance Agency’s Foreclosure Prevention Report can be found at: www.FHFA.gov.
Treasury FHA-HAMP Program Notes:
The FHA undertakes foreclosure prevention activities beyond their participation in MHA that are not reflected in this report. Please
refer to the latest edition of the Obama Administration’s Housing Scorecard for the total number of loss mitigation and early
delinquency interventions FHA has offered since April 1, 2009. Please visit www.hud.gov.

16

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 1: Program Notes
2MP Program Notes:
Number of modifications started is net of cancellations, which are primarily due to servicer data corrections.
2MP loans previously reported under top servicers that were transferred to or acquired by non-participating 2MP servicers are
reflected in “Other Servicers.”
Homeowners with an active first lien permanent modification and a second lien (2MP) modification realize a higher monthly payment
reduction on their first lien compared to the overall population of first lien homeowners because of the higher median first lien
unpaid principal balance.
HAFA Program Notes:
Unless otherwise noted, HAFA Transactions Completed includes GSE activity under the MHA program in addition to the GSE Standard
HAFA program implemented in November 2012. GSE Standard HAFA data provided by Fannie Mae and Freddie Mac as of December
2017. It does not include other GSE short sale and DIL activity outside the HAFA program. Please refer to the latest Federal Housing
Finance Agency’s Foreclosure Prevention Report for the total number of short sales and DIL of foreclosure actions the GSEs have
completed since 4Q 2008. Please visit www.FHFA.gov for the complete FHFA report.
A short sale requires a third-party purchaser and cooperation of junior lien holders and mortgage insurers to complete the
transaction.
The debt relief represents the obligation relieved by the short sale or deed-in-lieu transaction and is calculated as the unpaid principal
balance and allowable transactions costs less the property sales price. The allowable transaction costs may include release of any
subordinate lien, homeowner relocation assistance, sales commission, and closing costs for taxes, title, and attorney fees.
PRA Program Notes:
Eligible loans include those receiving evaluation under HAMP PRA guidelines plus loans that did not require an evaluation but received
principal reduction on their modification.

17

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 2: Terms and Methodologies
Average Delinquency at Trial Start:
For all permanent modifications started, the average number of days delinquent as of the trial plan start date. Delinquency is
calculated as the number of days between the homeowner's last paid installment before the trial plan and the first payment due date
of the trial plan.
Back-End Debt-to-Income Ratio:
Ratio of total monthly debt payments (including mortgage principal and interest, taxes, insurance, homeowners association and/or
condo fees, plus payments on installment debts, junior liens, alimony, car lease payments and investment property payments) to
monthly gross income. Homeowners who have a back-end debt-to-income ratio of greater than 55% are required to seek housing
counseling under program guidelines.
Disqualification:
A permanent modification disqualifies from HAMP when the borrower misses the equivalent of three full monthly payments. Once
disqualified, the borrower is no longer eligible to receive HAMP incentives. However, the terms of the permanent modification remain
the same, and the servicer will continue to work with the borrower to cure the delinquency or identify other loss mitigation options.
Servicers are required to report monthly payment information on HAMP modifications in the form of an Official Monthly Report
(OMR). If a servicer does not report an OMR for a loan in a given month, the performance of that loan is not included in official
Treasury reporting for that month. In addition, reported loan counts may shift from prior reports due to servicer data corrections.
Eligible Loans:
Homeowners with HAMP eligible loans, which include conventional loans that were originated on or before January 1, 2009; excludes
loans with current unpaid principal balances greater than current conforming loan limits-current unpaid principal balance must be no
greater than: $729,750 for a single-unit property, 2 units: $934,200, 3 Units: $1,129,250, 4 Units: $1,403,400; FHA and VA loans; loans
where investor pooling and servicing agreements preclude modification; and manufactured housing loans with title/chattel issues
that exclude them from HAMP.
Front-End Debt-to-Income Ratio:
Ratio of housing expenses (principal, interest, taxes, insurance and homeowners association and/or condo fees) to monthly gross
income.
Monthly Housing Payment:
Principal and interest payment.

18

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017

Appendix 3: End Notes
Note #
1
2
3

Section
MHA Program Updates
(page 2)
MHA Program Updates
(page 2)
HAMP Program Results
(page 4)

4

HAMP Program Results
(page 4 and page 9)

5

HAMP Program Results
(page 7)

6
7
8

Other MHA Programs
(page 11)
Other MHA Programs
(page 11)
Other MHA Programs
(page 11)

End Notes
MHA Program Activity includes HAMP Tier 1, HAMP Tier 2, and Streamline HAMP, except where
specified.
MHA First Lien Permanent Modifications Started includes GSE Standard Modifications (GSE SAI) but
not GSE Streamlined Modifications. For details on all GSE programs, visit http://www.FHFA.gov/.
As reported into the HAMP system of record by servicers. Excludes Treasury FHA-HAMP modifications.
Totals reflect impact of servicing transfers.
Data is as reported by servicers for actions completed through the end of December 2017 and reflects
the status of homeowners as of that date; a homeowner's status may change over time. Survey data
is not subject to the same data quality checks as data uploaded into the HAMP system of record.
Excludes cancellations and disqualifications pending data corrections and loans otherwise removed
from servicing portfolios.
Servicers did not submit 3.6% of the total required OMRs for loans aged up to 60 months in the
current reporting period. In addition, reported loan counts may shift from prior reports due to
servicer data corrections. If it was assumed that all unreported OMRs reflect either a current payment
status or the maximum number of missed payments based on the most recently submitted OMR, the
re-default rate for Tier 1 permanent modifications that have aged 60 months may range between
40.9% and 41.0%.
Includes some modifications with additional principal reduction outside of HAMP PRA.
Under HAMP PRA, principal reduction vests over a 3-year period. The amounts noted reflect the
entire amount that may be forgiven.
Principal amount reduced as a percentage of before-modification UPB, excluding capitalization.

9

Results by Servicer
(page 14)

While both GSE and non-GSE loans are eligible for HAMP, due to GSE policy, servicers can only offer
PRA on non-GSE modifications under HAMP. Servicer volume can vary based on the investor
composition of the servicer’s portfolio and respective policy with regards to PRA.

10

Results by Servicer
(page 14)

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

19

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 4: All HAMP Activity by State

State

AK
AL
AR
AZ
CA
CO
CT
DC
DE
FL
GA
HI
IA
ID
IL
IN
KS
KY
LA
MA
MD
ME
MI
MN
MO
MS
MT
NC
ND
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VA
VT
WA
WI
WV
WY
PR
Nationwide*
* Includes U.S.
Territories

Permanent Modifications
Started
847
12,166
4,638
58,091
376,052
22,160
26,073
3,227
6,177
209,255
63,141
6,644
4,922
5,973
91,144
19,417
4,810
8,026
12,792
41,778
59,309
5,465
47,790
24,919
19,352
7,867
1,842
35,491
300
2,788
7,753
66,750
6,252
35,626
97,613
41,766
5,428
18,509
46,891
8,904
18,577
651
21,835
57,397
13,292
41,068
1,720
35,804
17,832
2,555
853
5,565

1,735,141

Median Monthly Payment
Reduction

$468.68
$262.82
$245.15
$433.26
$696.11
$403.23
$511.11
$522.67
$396.45
$454.25
$349.71
$767.16
$247.68
$365.28
$484.74
$260.26
$281.16
$261.24
$276.47
$560.76
$549.56
$374.81
$338.25
$414.01
$289.48
$247.30
$387.37
$295.74
$272.40
$260.09
$458.88
$604.50
$338.90
$517.55
$735.24
$288.74
$244.64
$443.28
$328.61
$518.67
$286.97
$261.46
$281.13
$276.89
$419.68
$469.87
$362.70
$490.86
$338.40
$295.96
$357.56
$276.27

$465.90

Median Monthly
Pre-Modification Payment

Median Monthly Payment
Reduction % of PreModification Payment

$1,487.39
$786.33
$740.86
$1,187.11
$1,925.78
$1,229.75
$1,373.53
$1,669.22
$1,244.42
$1,162.95
$970.05
$2,335.60
$734.76
$1,099.70
$1,212.35
$759.78
$842.24
$768.43
$821.55
$1,614.56
$1,624.72
$1,067.29
$900.49
$1,195.52
$817.27
$722.63
$1,200.81
$875.61
$864.29
$765.08
$1,333.35
$1,646.63
$1,018.83
$1,373.06
$1,975.16
$781.75
$719.77
$1,296.95
$972.05
$1,344.39
$855.66
$868.60
$805.96
$821.65
$1,316.56
$1,468.21
$1,070.14
$1,482.30
$943.12
$976.15
$1,172.38
$761.37

32%
33%
33%
36%
36%
33%
37%
31%
32%
39%
36%
33%
34%
33%
40%
34%
33%
34%
34%
35%
34%
35%
38%
35%
35%
34%
32%
34%
32%
34%
34%
37%
33%
38%
37%
37%
34%
34%
34%
39%
34%
30%
35%
34%
32%
32%
34%
33%
36%
30%
30%
36%

$1,325.44

35%

20

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 5: HAMP Tier 1 Scheduled Interest Rate Increases by State
Median Values

State

Monthly P&I
Total Monthly
Pre-Mod
Monthly
After Mod
Payment
Before Mod
Pre-Mod
P&I Payment
Interest
Income at
After Mod UPB Monthly
Increase at
DTI
Monthly P&I
Increase after
Rate
Time of Mod
P&I
First Interest
All Increases
Rate Increase

Final Monthly
P&I Payment
Reduction from
Pre-Mod P&I

AK

44.81%

6.8%

$ 1,459.91

$

4,167.00

$

216,999.78

$

836.58

$

94.44

$

178.31

$

(399.73)

AL

46.77%

6.8%

$

874.14

$

2,272.00

$

119,447.35

$

498.10

$

47.84

$

97.53

$

(242.71)

AR

45.89%

6.5%

$

801.46

$

2,121.18

$

115,051.05

$

457.91

$

48.84

$

101.50

$

(212.97)

AZ

49.57%

6.4%

$ 1,190.69

$

2,798.77

$

177,960.49

$

652.08

$

78.00

$

189.59

$

(309.96)

CA

48.84%

6.1%

$ 1,941.58

$

4,665.45

$

306,786.83

$ 1,058.28

$

135.04

$

310.26

$

(480.89)

CO

46.69%

6.5%

$ 1,235.03

$

3,166.66

$

188,722.20

$

728.80

$

80.44

$

180.89

$

(301.71)

CT

45.64%

6.5%

$ 1,458.75

$

4,333.33

$

210,193.07

$

777.38

$

90.70

$

198.06

$

(414.16)

DC

47.89%

6.4%

$ 1,689.16

$

4,090.00

$

272,162.50

$

958.67

$

119.13

$

264.48

$

(384.55)

DE

47.19%

6.5%

$ 1,283.75

$

3,121.50

$

197,685.00

$

751.01

$

84.11

$

177.70

$

(312.08)

FL

47.63%

6.5%

$ 1,192.50

$

3,272.00

$

171,000.00

$

613.68

$

75.03

$

168.84

$

(350.96)

GA

47.57%

6.5%

$ 1,003.63

$

2,628.95

$

143,197.61

$

553.08

$

61.56

$

137.95

$

(282.24)

HI

49.09%

6.3%

$ 2,433.33

$

5,399.76

$

395,619.41

$ 1,368.91

$

175.67

$

379.10

$

(527.57)

IA

44.49%

6.6%

$

775.81

$

2,280.98

$

106,824.54

$

428.45

$

44.08

$

93.04

$

(208.31)

ID

48.67%

6.5%

$ 1,149.95

$

2,730.43

$

171,058.72

$

654.83

$

74.23

$

165.85

$

(290.71)

IL

47.14%

6.5%

$ 1,279.02

$

3,696.69

$

178,362.95

$

640.52

$

78.14

$

177.74

$

(395.43)

IN

46.23%

6.8%

$

811.98

$

2,145.00

$

109,169.56

$

448.25

$

44.48

$

93.47

$

(225.32)

KS

44.63%

6.6%

$

895.10

$

2,701.89

$

126,003.65

$

499.04

$

51.27

$

110.84

$

(243.78)

KY

46.11%

6.8%

$

817.45

$

2,205.30

$

112,119.02

$

457.63

$

46.01

$

97.27

$

(226.91)

LA

45.62%

6.9%

$

894.99

$

2,564.00

$

123,829.95

$

495.86

$

51.49

$

101.91

$

(254.88)

MA

47.15%

6.4%

$ 1,658.92

$

4,333.33

$

250,290.84

$

909.76

$

108.07

$

239.15

$

(429.97)

MD

46.91%

6.4%

$ 1,673.24

$

4,331.97

$

259,750.13

$

936.48

$

113.59

$

251.64

$

(414.76)

ME

46.83%

6.6%

$ 1,137.72

$

2,998.36

$

163,672.20

$

612.79

$

70.25

$

143.64

$

(306.65)

MI

46.97%

6.5%

$

956.00

$

2,666.73

$

129,934.90

$

503.71

$

54.27

$

124.21

$

(277.79)

MN

46.21%

6.3%

$ 1,202.13

$

3,294.00

$

178,055.64

$

674.64

$

76.50

$

175.80

$

(310.23)

MO

46.21%

6.7%

$

883.42

$

2,475.12

$

123,277.47

$

483.39

$

51.12

$

109.87

$

(251.96)

MS

46.59%

6.9%

$

811.09

$

2,237.63

$

111,680.47

$

449.20

$

45.29

$

90.82

$

(237.23)

MT

46.95%

6.4%

$ 1,269.70

$

3,250.00

$

195,171.72

$

730.05

$

81.62

$

174.19

$

(312.26)

NC

46.56%

6.6%

$

943.35

$

2,483.57

$

133,269.25

$

535.00

$

55.99

$

116.90

$

(252.39)

ND

42.33%

6.5%

$

881.34

$

2,826.19

$

132,200.71

$

516.30

$

57.21

$

121.92

$

(216.88)

NE

43.70%

6.8%

$

770.93

$

2,463.44

$

108,255.42

$

442.20

$

44.57

$

91.26

$

(213.12)

NH

44.09%

6.4%

$ 1,347.04

$

4,160.00

$

198,189.82

$

764.01

$

84.67

$

181.07

$

(348.87)

21

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 5: HAMP Tier 1 Scheduled Interest Rate Increases by State
Median Values

State

Monthly P&I
Total Monthly
Pre-Mod
Monthly
After Mod
Payment
Before Mod
Pre-Mod
P&I Payment
Interest
Income at
After Mod UPB Monthly
Increase at
DTI
Monthly P&I
Increase after
Rate
Time of Mod
P&I
First Interest
All Increases
Rate Increase

Final Monthly
P&I Payment
Reduction from
Pre-Mod P&I

NJ

45.27%

6.4%

$ 1,705.40

$

5,250.91

$

250,114.70

$

886.81

$

110.07

$

236.93

$

(473.11)

NM

47.37%

6.5%

$ 1,063.26

$

2,744.54

$

156,255.43

$

612.30

$

67.75

$

143.50

$

(285.97)

NV

50.18%

6.3%

$ 1,369.20

$

3,124.53

$

207,977.98

$

738.04

$

91.49

$

216.67

$

(364.44)

NY

47.08%

6.4%

$ 2,085.32

$

5,716.88

$

313,298.78

$ 1,086.12

$

137.71

$

296.30

$

(581.55)

OH

45.49%

6.6%

$

817.29

$

2,378.90

$

110,044.15

$

442.82

$

45.31

$

98.85

$

(236.03)

OK

44.89%

6.9%

$

773.60

$

2,331.50

$

105,182.22

$

436.15

$

42.70

$

85.89

$

(224.88)

OR

46.75%

6.4%

$ 1,323.61

$

3,440.69

$

206,760.39

$

767.92

$

91.18

$

200.03

$

(323.27)

PA

45.30%

6.6%

$ 1,078.30

$

3,168.25

$

150,806.63

$

581.43

$

63.22

$

129.16

$

(297.06)

RI

47.47%

6.4%

$ 1,360.13

$

3,639.03

$

196,067.41

$

701.79

$

84.83

$

190.58

$

(401.04)

SC

46.77%

6.6%

$

957.87

$

2,472.19

$

136,434.78

$

543.73

$

57.66

$

121.00

$

(251.07)

SD

44.07%

6.5%

$

929.37

$

2,736.50

$

136,541.65

$

533.39

$

57.12

$

126.07

$

(214.85)

TN

47.11%

6.9%

$

872.67

$

2,293.53

$

117,940.33

$

480.12

$

47.97

$

100.26

$

(260.38)

TX

43.21%

7.0%

$

851.33

$

2,925.19

$

117,227.83

$

480.96

$

47.94

$

98.54

$

(248.05)

UT

47.73%

6.5%

$ 1,368.90

$

3,269.76

$

211,335.17

$

801.91

$

92.98

$

211.06

$

(322.02)

VA

46.73%

6.4%

$ 1,595.78

$

4,059.82

$

249,076.98

$

904.96

$

107.58

$

239.21

$

(360.45)

VT

46.30%

6.8%

$ 1,149.63

$

3,117.86

$

166,750.00

$

627.32

$

70.59

$

154.68

$

(304.92)

WA

46.47%

6.4%

$ 1,515.12

$

3,972.22

$

241,560.48

$

872.65

$

106.64

$

231.92

$

(352.11)

WI

45.14%

6.5%

$

983.53

$

2,974.00

$

137,766.20

$

530.00

$

58.69

$

125.95

$

(275.83)

WV

46.76%

6.6%

$ 1,097.57

$

2,688.93

$

155,640.57

$

629.07

$

64.85

$

127.96

$

(265.67)

WY

46.50%

6.5%

$ 1,301.51

$

3,222.00

$

189,322.74

$

793.72

$

79.94

$

162.43

$

(309.11)

PR

51.37%

6.3%

$

758.57

$

1,617.12

$

102,832.11

$

432.96

$

44.09

$

92.99

$

(217.39)

Nationwide*

47.40%

6.4%

$ 1,445.00

$

3,794.25

$

214,531.40

$

778.61

$

92.94

$

207.66

$

(371.87)

* Includes U.S. Territories

22

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 6: Performance of HAMP Modifications by Vintage
HAMP Tier 1
Delinquency: Months After Conversion to Permanent Modification
6
12
18

3

24

Mod.
Effective in:

#

90+ Days

#

90+ Days

#

90+ Days

#

90+ Days

#

90+ Days

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

3,562
43,323
123,480
147,021
85,916
57,818
70,565
79,587
80,615
64,719
49,170
43,823
47,127
39,172
39,140
31,442
31,824
27,218
23,618
18,979
16,947
15,077
14,769
14,233
12,612
10,448
9,615
8,738
7,960
6,602
5,776
4,380
1,267
135
1,236,678

4.5%
1.9%
1.5%
1.8%
1.9%
1.8%
1.0%
1.3%
1.3%
1.2%
0.8%
1.0%
1.0%
1.0%
0.7%
0.8%
0.9%
1.0%
0.9%
1.1%
1.3%
1.5%
1.0%
1.4%
1.5%
1.6%
1.0%
1.6%
1.4%
1.3%
1.2%
1.5%
1.6%
2.2%
1.3%

4,383
47,118
149,690
156,628
95,577
62,269
75,527
88,842
85,671
67,231
50,604
44,796
48,817
41,092
40,794
32,920
33,297
28,537
25,516
19,787
17,788
16,842
15,743
14,780
13,055
10,910
10,005
9,210
8,389
7,012
6,029
4,331
688

10.6%
6.3%
6.1%
7.5%
7.1%
5.7%
5.1%
5.8%
5.6%
4.4%
4.0%
4.6%
4.6%
3.9%
3.5%
3.9%
4.2%
3.9%
3.9%
5.1%
5.5%
4.5%
4.4%
5.6%
5.6%
5.7%
5.1%
5.9%
6.1%
5.5%
4.6%
7.0%
7.3%

4,583
50,970
160,478
172,929
103,851
64,894
79,237
92,349
86,659
67,583
50,635
45,073
49,540
42,306
41,917
33,629
34,702
29,819
26,366
20,406
18,360
17,279
16,154
15,074
13,327
11,154
10,203
9,438
8,573
6,710
1,987

21.2%
15.9%
16.1%
16.1%
14.5%
14.5%
13.6%
13.2%
12.3%
11.4%
10.8%
10.9%
10.0%
9.4%
9.6%
9.4%
9.3%
9.5%
10.4%
10.8%
10.7%
10.8%
11.1%
12.0%
11.8%
12.5%
12.5%
12.9%
13.0%
13.5%
11.2%

4,916
54,141
165,484
170,159
105,812
66,425
80,823
91,643
86,414
67,747
50,028
44,569
50,038
42,553
42,286
33,913
34,512
29,837
26,300
20,367
18,412
17,489
16,156
15,072
13,275
11,125
10,175
8,965
2,982

28.9%
22.4%
22.5%
24.1%
21.9%
21.1%
19.2%
20.1%
18.9%
16.8%
15.8%
16.1%
15.1%
14.0%
13.9%
14.2%
14.1%
14.0%
14.5%
15.3%
15.9%
15.8%
16.0%
16.9%
17.8%
18.0%
17.8%
19.4%
19.8%

5,017
55,087
167,304
178,290
105,859
66,192
80,491
91,251
84,893
67,460
50,532
44,773
50,287
42,683
42,069
34,055
34,664
29,828
26,388
20,473
18,362
17,272
16,171
15,130
13,289
10,603
3,457

33.5%
28.4%
28.8%
28.7%
26.8%
26.5%
24.9%
25.1%
23.4%
21.0%
20.0%
20.0%
18.5%
17.6%
17.7%
17.4%
17.0%
17.2%
17.9%
18.6%
19.4%
19.7%
20.1%
20.6%
21.3%
23.2%
23.5%

1,333,878

5.5%

1,386,185

13.1%

1,381,618

19.2%

1,371,880

23.9%

Loan payment status is not reported by servicers after program disqualification (90+ days delinquent). Therefore, 90+ days delinquent loans are included
in each of the 60+ and 90+ days delinquent metrics for all future reporting periods, even though some loans may have cured or paid off following
program disqualification. In addition, once a loan is reported as paid off it is no longer reflected in future periods.

23

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 6: Performance of HAMP Modifications by Vintage
HAMP Tier 1
Mod.
Effective in:
2009Q3
2009Q4
2010Q1
2010Q2
2010Q3
2010Q4
2011Q1
2011Q2
2011Q3
2011Q4
2012Q1
2012Q2
2012Q3
2012Q4
2013Q1
2013Q2
2013Q3
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
All

Delinquency: Months After Conversion to Permanent Modification
48
60
72

36

84

#

90+ Days

#

90+ Days

#

90+ Days

#

90+ Days

#

90+ Days

5,117
55,897
165,607
174,571
104,148
65,680
80,621
91,256
86,593
67,546
50,079
44,693
49,577
42,070
41,563
33,910
34,241
29,483
26,065
20,321
18,109
16,378
5,509

41.7%
37.2%
37.5%
37.5%
35.3%
34.3%
31.9%
31.6%
29.2%
26.8%
26.0%
25.5%
24.1%
22.7%
22.5%
22.0%
21.9%
22.0%
23.4%
23.9%
25.2%
26.5%
26.8%

5,025
55,642
165,315
173,713
104,699
65,672
80,085
90,752
84,737
66,472
49,481
43,672
48,340
40,929
40,318
32,966
33,203
27,398
8,243

48.2%
43.1%
43.0%
42.6%
39.8%
38.8%
36.6%
36.1%
34.2%
30.9%
30.1%
29.5%
28.1%
26.7%
26.5%
26.1%
26.1%
27.3%
27.2%

5,005
54,893
162,771
172,477
102,415
64,594
78,313
88,359
81,825
64,668
47,941
42,164
46,589
37,888
12,103

52.3%
47.5%
47.2%
46.2%
43.9%
42.6%
40.4%
39.8%
38.2%
34.7%
33.8%
33.3%
31.7%
31.3%
30.4%

4,754
52,699
156,831
165,198
98,057
62,152
74,047
83,661
78,097
59,529
15,135

58.6%
52.8%
52.2%
51.3%
48.9%
47.1%
45.6%
45.0%
42.7%
40.3%
38.5%

4,428
49,187
146,035
154,072
92,295
57,306
24,347

65.7%
59.5%
58.8%
57.8%
54.6%
53.6%
51.8%

1,309,034

31.0%

1,216,662

36.2%

1,062,005

41.3%

850,160

48.1%

527,670

57.0%

Loan payment status is not reported by servicers after program disqualification (90+ days delinquent). Therefore, 90+ days delinquent loans are
included in each of the 60+ and 90+ days delinquent metrics for all future reporting periods, even though some loans may have cured or paid off
following program disqualification. In addition, once a loan is reported as paid off it is no longer reflected in future periods.

24

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 6: Performance of HAMP Modifications by Vintage
HAMP Tier 2
Delinquency: Months After Conversion to Permanent Modification
6
12

3

18

Mod. Effective
in:

#

90+ Days

#

90+ Days

#

90+ Days

#

90+ Days

2012Q3
2012Q4
2013Q1
2013Q2
2013Q3
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
All

0
946
2,476
4,100
11,196
11,199
10,492
10,872
9,158
11,041
13,063
13,937
14,262
11,819
12,579
12,794
12,457
10,154
8,966
7,099
1,933
238
190,781

0.0%
1.3%
1.4%
1.6%
2.2%
1.9%
1.4%
1.4%
2.0%
1.9%
1.2%
1.6%
2.2%
2.2%
1.3%
1.6%
2.0%
2.0%
1.4%
1.5%
2.2%
2.5%
1.7%

0
1,116
2,710
4,450
13,196
11,783
11,600
11,181
9,463
12,679
14,041
14,243
14,691
12,072
13,085
13,249
12,979
10,773
9,234
6,981
1,029

0.0%
5.4%
7.2%
8.0%
8.4%
7.3%
6.7%
7.4%
8.1%
6.5%
6.5%
8.6%
8.9%
7.5%
6.6%
8.0%
8.4%
7.0%
6.5%
7.4%
7.4%

0
1,186
2,870
5,053
13,621
12,597
12,007
11,289
9,937
12,897
14,213
14,312
14,936
12,522
13,298
13,578
13,208
10,263
2,933

0.0%
17.3%
19.5%
17.6%
16.9%
17.1%
17.0%
15.8%
15.5%
16.4%
17.0%
17.9%
17.8%
17.5%
17.4%
17.7%
17.7%
17.5%
16.5%

1
1,243
2,975
5,156
13,528
12,502
11,791
11,199
9,828
13,254
14,137
14,358
14,814
12,547
13,294
12,868
4,227

100.0%
23.1%
26.8%
24.8%
25.0%
23.5%
23.0%
22.4%
22.4%
22.7%
23.4%
25.2%
25.7%
24.6%
23.8%
26.2%
25.9%

200,555

7.5%

190,720

17.2%

167,722

24.2%

Delinquency: Months After Conversion to Permanent Modification
36
48

24
Mod. Effective
in:
2012Q3
2012Q4
2013Q1
2013Q2
2013Q3
2013Q4
2014Q1
2014Q2
2014Q3
2014Q4
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
All

60

#

90+ Days

#

90+ Days

#

90+ Days

#

90+ Days

1
1,256
3,009
5,194
13,833
12,645
12,009
10,992
9,828
13,148
14,195
14,451
14,870
12,020
4,138

100.0%
28.6%
32.4%
29.3%
28.9%
28.1%
27.5%
27.8%
27.2%
27.9%
29.3%
30.3%
30.3%
30.8%
29.9%

1
1,282
3,231
5,257
14,017
12,711
11,876
11,182
9,647
12,516
5,006

100.0%
34.5%
36.9%
34.8%
34.9%
34.5%
34.6%
34.3%
35.2%
37.3%
37.0%

1
1,249
3,132
5,112
13,576
11,785
3,702

100.0%
39.7%
41.6%
40.5%
40.8%
42.6%
41.7%

1
1,169
777

100.0%
45.6%
47.0%

141,589

29.0%

86,726

35.3%

38,557

41.5%

1,947

46.2%

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.

25

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 6: Performance of HAMP Modifications by Vintage
STREAMLINE HAMP
Delinquency: Months After Conversion to Permanent Modification
6
12

3

18

Mod. Effective
in:

#

90+ Days

#

90+ Days

#

90+ Days

#

90+ Days

2016Q2
2016Q3
2016Q4
2017Q1
2017Q2
2017Q3
2017Q4
All

5,231
11,379
8,057
10,287
4,195
734
114
39,997

5.7%
4.7%
3.3%
2.2%
3.3%
2.3%
2.6%
3.7%

5,582
11,723
8,641
10,763
4,062
293

16.1%
15.2%
11.9%
10.5%
12.9%
10.9%

5,809
11,984
8,571
3,503

29.0%
28.4%
25.8%
23.8%

5,653
6,902

38.1%
38.7%

41,064

13.1%

29,867

27.2%

12,555

38.4%

26

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 7: All HAMP Activity by MSA

Metropolitan Statistical Area
Abilene, TX Metropolitan Statistical Area
Aguadilla-Isabela, PR Metropolitan Statistical Area
Akron, OH Metropolitan Statistical Area
Albany, GA Metropolitan Statistical Area
Albany, OR Metropolitan Statistical Area
Albany-Schenectady-Troy, NY Metropolitan Statistical Area
Albuquerque, NM Metropolitan Statistical Area
Alexandria, LA Metropolitan Statistical Area
Allentown-Bethlehem-Easton, PA-NJ Metropolitan Statistical Area
Altoona, PA Metropolitan Statistical Area
Amarillo, TX Metropolitan Statistical Area
Ames, IA Metropolitan Statistical Area
Anchorage, AK Metropolitan Statistical Area
Ann Arbor, MI Metropolitan Statistical Area
Anniston-Oxford-Jacksonville, AL Metropolitan Statistical Area
Appleton, WI Metropolitan Statistical Area
Arecibo, PR Metropolitan Statistical Area
Asheville, NC Metropolitan Statistical Area
Athens-Clarke County, GA Metropolitan Statistical Area
Atlanta-Sandy Springs-Roswell, GA Metropolitan Statistical Area
Atlantic City-Hammonton, NJ Metropolitan Statistical Area
Auburn-Opelika, AL Metropolitan Statistical Area
Augusta-Richmond County, GA-SC Metropolitan Statistical Area
Austin-Round Rock, TX Metropolitan Statistical Area
Bakersfield, CA Metropolitan Statistical Area
Baltimore-Columbia-Towson, MD Metropolitan Statistical Area
Bangor, ME Metropolitan Statistical Area
Barnstable Town, MA Metropolitan Statistical Area
Baton Rouge, LA Metropolitan Statistical Area
Battle Creek, MI Metropolitan Statistical Area
Bay City, MI Metropolitan Statistical Area
Beaumont-Port Arthur, TX Metropolitan Statistical Area
Beckley, WV Metropolitan Statistical Area
Bellingham, WA Metropolitan Statistical Area
Bend-Redmond, OR Metropolitan Statistical Area
Billings, MT Metropolitan Statistical Area
Binghamton, NY Metropolitan Statistical Area
Birmingham-Hoover, AL Metropolitan Statistical Area
Bismarck, ND Metropolitan Statistical Area
Blacksburg-Christiansburg-Radford, VA Metropolitan Statistical Area
Bloomington, IL Metropolitan Statistical Area
Bloomington, IN Metropolitan Statistical Area
Bloomsburg-Berwick, PA Metropolitan Statistical Area
Boise City, ID Metropolitan Statistical Area
Boston-Cambridge-Newton, MA-NH Metropolitan Statistical Area
Boulder, CO Metropolitan Statistical Area
Bowling Green, KY Metropolitan Statistical Area
Bremerton-Silverdale, WA Metropolitan Statistical Area
Bridgeport-Stamford-Norwalk, CT Metropolitan Statistical Area

Permanent
Modifications
Started

Median Monthly
Payment
Reduction

Median Monthly Payment
Reduction % of PreModification Payment

87
250
3,205
437
407
2,329
4,035
233
5,129
211
186
80
648
1,350
225
432
247
1,533
644
49,600
3,052
323
1,311
3,302
9,059
20,224
461
2,099
3,068
507
327
470
117
713
1,345
187
394
4,483
63
230
277
269
117
3,301
28,767
739
225
1,156
8,063

$196.03
$234.68
$297.41
$243.84
$317.30
$342.98
$329.83
$252.31
$392.26
$222.03
$260.87
$288.49
$487.53
$420.27
$221.79
$317.38
$253.69
$342.98
$304.52
$369.68
$475.95
$272.37
$263.51
$322.23
$464.47
$461.24
$297.57
$599.64
$260.61
$253.01
$226.92
$224.62
$195.30
$478.26
$519.70
$305.81
$235.26
$281.28
$342.59
$300.67
$282.11
$237.69
$255.45
$379.73
$607.05
$483.20
$243.77
$460.11
$683.08

34%
34%
37%
33%
31%
34%
33%
33%
34%
34%
38%
34%
32%
36%
32%
35%
37%
34%
34%
37%
38%
29%
36%
33%
37%
33%
34%
36%
32%
37%
35%
36%
32%
34%
36%
29%
36%
34%
34%
33%
35%
29%
38%
34%
35%
34%
34%
31%
39%

27

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 7: All HAMP Activity by MSA

Metropolitan Statistical Area

Permanent
Modifications
Started

Median Monthly Median Monthly Payment
Payment
Reduction % of PreReduction
Modification Payment

Brownsville-Harlingen, TX Metropolitan Statistical Area

784

$230.23

35%

Brunswick, GA Metropolitan Statistical Area

317

$327.96

34%

2,111

$256.44

36%

Burlington, NC Metropolitan Statistical Area

512

$268.65

33%

Burlington-South Burlington, VT Metropolitan Statistical Area

517

$416.69

35%

California-Lexington Park, MD Metropolitan Statistical Area

671

$495.63

30%

Canton-Massillon, OH Metropolitan Statistical Area

1,559

$266.40

36%

Cape Coral-Fort Myers, FL Metropolitan Statistical Area

5,659

$462.34

40%

Cape Girardeau, MO-IL Metropolitan Statistical Area

126

$236.67

33%

Carbondale-Marion, IL Metropolitan Statistical Area

100

$250.10

41%

Carson City, NV Metropolitan Statistical Area

437

$520.56

37%

Casper, WY Metropolitan Statistical Area

152

$340.47

31%

Cedar Rapids, IA Metropolitan Statistical Area

424

$252.96

33%

Chambersburg-Waynesboro, PA Metropolitan Statistical Area

492

$346.28

31%

Champaign-Urbana, IL Metropolitan Statistical Area

263

$242.83

32%

Charleston, WV Metropolitan Statistical Area

184

$220.05

34%

Charleston-North Charleston, SC Metropolitan Statistical Area

3,726

$342.85

Charlotte-Concord-Gastonia, NC-SC Metropolitan Statistical Area
Charlottesville, VA Metropolitan Statistical Area

12,371
754

$305.46
$383.00

34%
33%
31%

Chattanooga, TN-GA Metropolitan Statistical Area

1,734

$274.72

35%

172

$278.93

Chicago-Naperville-Elgin, IL-IN-WI Metropolitan Statistical Area
Chico, CA Metropolitan Statistical Area

87,596
1,291

$497.88
$451.83

27%
40%
34%

Cincinnati, OH-KY-IN Metropolitan Statistical Area

Buffalo-Cheektowaga-Niagara Falls, NY Metropolitan Statistical Area

Cheyenne, WY Metropolitan Statistical Area

7,542

$308.07

36%

Clarksville, TN-KY Metropolitan Statistical Area

333

$219.93

32%

Cleveland, TN Metropolitan Statistical Area

287

$267.88

35%

10,631

$306.53

38%

Coeur d'Alene, ID Metropolitan Statistical Area

733

$412.62

34%

College Station-Bryan, TX Metropolitan Statistical Area

167

$222.04

29%

2,352

$391.63

34%

Columbia, MO Metropolitan Statistical Area

191

$249.34

32%

Columbia, SC Metropolitan Statistical Area

3,284

$263.34

33%

Columbus, GA-AL Metropolitan Statistical Area

964

$268.89

35%

Columbus, IN Metropolitan Statistical Area

150

$209.86

30%

Columbus, OH Metropolitan Statistical Area

6,715

$312.07

36%

Corpus Christi, TX Metropolitan Statistical Area

545

$240.41

34%

Corvallis, OR Metropolitan Statistical Area

120

$362.93

27%

1,097

$411.30

35%

198

$245.12

19,043
533

$290.14
$258.06

33%
33%
34%

Danville, IL Metropolitan Statistical Area

78

$206.39

39%

Danville, VA Metropolitan Statistical Area

3

$361.89

48%

Daphne-Fairhope-Foley, AL Metropolitan Statistical Area

682

$332.50

33%

Davenport-Moline-Rock Island, IA-IL Metropolitan Statistical Area

700

$235.27

36%

Dayton, OH Metropolitan Statistical Area

2,548

$266.56

37%

Decatur, AL Metropolitan Statistical Area

239

$216.98

30%

Decatur, IL Metropolitan Statistical Area

129

$208.66

36%

6,949

$382.05

37%

Cleveland-Elyria, OH Metropolitan Statistical Area

Colorado Springs, CO Metropolitan Statistical Area

Crestview-Fort Walton Beach-Destin, FL Metropolitan Statistical Area
Cumberland, MD-WV Metropolitan Statistical Area
Dallas-Fort Worth-Arlington, TX Metropolitan Statistical Area
Dalton, GA Metropolitan Statistical Area

Deltona-Daytona Beach-Ormond Beach, FL Metropolitan Statistical Area

28

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 7: All HAMP Activity by MSA

Metropolitan Statistical Area
Denver-Aurora-Lakewood, CO Metropolitan Statistical Area
Des Moines-West Des Moines, IA Metropolitan Statistical Area
Detroit-Warren-Dearborn, MI Metropolitan Statistical Area
Dothan, AL Metropolitan Statistical Area
Dover, DE Metropolitan Statistical Area
Dubuque, IA Metropolitan Statistical Area
Duluth, MN-WI Metropolitan Statistical Area
Durham-Chapel Hill, NC Metropolitan Statistical Area
East Stroudsburg, PA Metropolitan Statistical Area
Eau Claire, WI Metropolitan Statistical Area
El Centro, CA Metropolitan Statistical Area
Elizabethtown-Fort Knox, KY Metropolitan Statistical Area
Elkhart-Goshen, IN Metropolitan Statistical Area
Elmira, NY Metropolitan Statistical Area
El Paso, TX Metropolitan Statistical Area
Enid, OK Metropolitan Statistical Area
Erie, PA Metropolitan Statistical Area
Eugene, OR Metropolitan Statistical Area
Evansville, IN-KY Metropolitan Statistical Area
Fairbanks, AK Metropolitan Statistical Area
Fargo, ND-MN Metropolitan Statistical Area
Farmington, NM Metropolitan Statistical Area
Fayetteville, NC Metropolitan Statistical Area
Fayetteville-Springdale-Rogers, AR-MO Metropolitan Statistical Area
Flagstaff, AZ Metropolitan Statistical Area
Flint, MI Metropolitan Statistical Area
Florence, SC Metropolitan Statistical Area
Florence-Muscle Shoals, AL Metropolitan Statistical Area
Fond du Lac, WI Metropolitan Statistical Area
Fort Collins, CO Metropolitan Statistical Area
Fort Smith, AR-OK Metropolitan Statistical Area
Fort Wayne, IN Metropolitan Statistical Area
Fresno, CA Metropolitan Statistical Area
Gadsden, AL Metropolitan Statistical Area
Gainesville, FL Metropolitan Statistical Area
Gainesville, GA Metropolitan Statistical Area
Gettysburg, PA Metropolitan Statistical Area
Glens Falls, NY Metropolitan Statistical Area
Goldsboro, NC Metropolitan Statistical Area
Grand Forks, ND-MN Metropolitan Statistical Area
Grand Island, NE Metropolitan Statistical Area
Grand Junction, CO Metropolitan Statistical Area
Grand Rapids-Wyoming, MI Metropolitan Statistical Area
Grants Pass, OR Metropolitan Statistical Area
Great Falls, MT Metropolitan Statistical Area
Greeley, CO Metropolitan Statistical Area
Green Bay, WI Metropolitan Statistical Area
Greensboro-High Point, NC Metropolitan Statistical Area
Greenville, NC Metropolitan Statistical Area
Greenville-Anderson-Mauldin, SC Metropolitan Statistical Area

Permanent
Modifications
Started
13,483
1,737
27,920
239
1,115
127
796
1,653
2,521
279
1,687
208
698
163
1,785
38
517
1,384
545
79
210
155
873
1,322
369
2,043
667
193
207
958
299
1,093
9,773
213
853
1,235
465
474
251
74
67
644
3,597
512
90
1,231
670
3,171
450
2,897

Median Monthly Median Monthly Payment
Payment
Reduction % of PreReduction
Modification Payment
$403.94
$270.72
$371.74
$214.12
$384.73
$240.41
$284.63
$312.80
$451.99
$283.03
$431.72
$232.32
$251.87
$251.66
$248.76
$204.03
$234.30
$383.21
$217.55
$382.13
$276.79
$301.31
$233.04
$290.14
$504.80
$321.30
$226.08
$209.68
$301.68
$405.32
$206.15
$245.09
$471.00
$241.06
$330.00
$329.50
$397.65
$315.01
$233.15
$230.39
$208.92
$401.38
$284.70
$467.84
$258.55
$353.79
$339.95
$284.92
$284.07
$258.30

33%
33%
39%
30%
30%
33%
34%
34%
38%
32%
35%
31%
33%
40%
35%
30%
38%
34%
33%
27%
31%
28%
34%
34%
34%
37%
34%
35%
35%
32%
31%
36%
37%
33%
37%
36%
33%
36%
35%
30%
31%
32%
34%
36%
29%
30%
38%
35%
36%
33%

29

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 7: All HAMP Activity by MSA

Metropolitan Statistical Area
Guayama, PR Metropolitan Statistical Area
Gulfport-Biloxi-Pascagoula, MS Metropolitan Statistical Area
Hagerstown-Martinsburg, MD-WV Metropolitan Statistical Area
Hammond, LA Metropolitan Statistical Area
Hanford-Corcoran, CA Metropolitan Statistical Area
Harrisburg-Carlisle, PA Metropolitan Statistical Area
Harrisonburg, VA Metropolitan Statistical Area
Hartford-West Hartford-East Hartford, CT Metropolitan Statistical Area
Hattiesburg, MS Metropolitan Statistical Area
Hickory-Lenoir-Morganton, NC Metropolitan Statistical Area
Hilton Head Island-Bluffton-Beaufort, SC Metropolitan Statistical Area
Hinesville, GA Metropolitan Statistical Area
Homosassa Springs, FL Metropolitan Statistical Area
Hot Springs, AR Metropolitan Statistical Area
Houma-Thibodaux, LA Metropolitan Statistical Area
Houston-The Woodlands-Sugar Land, TX Metropolitan Statistical Area
Huntington-Ashland, WV-KY-OH Metropolitan Statistical Area
Huntsville, AL Metropolitan Statistical Area
Idaho Falls, ID Metropolitan Statistical Area
Indianapolis-Carmel-Anderson, IN Metropolitan Statistical Area
Iowa City, IA Metropolitan Statistical Area
Ithaca, NY Metropolitan Statistical Area
Jackson, MI Metropolitan Statistical Area
Jackson, MS Metropolitan Statistical Area
Jackson, TN Metropolitan Statistical Area
Jacksonville, FL Metropolitan Statistical Area
Jacksonville, NC Metropolitan Statistical Area
Janesville-Beloit, WI Metropolitan Statistical Area
Jefferson City, MO Metropolitan Statistical Area
Johnson City, TN Metropolitan Statistical Area
Johnstown, PA Metropolitan Statistical Area
Jonesboro, AR Metropolitan Statistical Area
Joplin, MO Metropolitan Statistical Area
Kahului-Wailuku-Lahaina, HI Metropolitan Statistical Area
Kalamazoo-Portage, MI Metropolitan Statistical Area
Kankakee, IL Metropolitan Statistical Area
Kansas City, MO-KS Metropolitan Statistical Area
Kennewick-Richland, WA Metropolitan Statistical Area
Killeen-Temple, TX Metropolitan Statistical Area
Kingsport-Bristol-Bristol, TN-VA Metropolitan Statistical Area
Kingston, NY Metropolitan Statistical Area
Knoxville, TN Metropolitan Statistical Area
Kokomo, IN Metropolitan Statistical Area
La Crosse-Onalaska, WI-MN Metropolitan Statistical Area
Lafayette, LA Metropolitan Statistical Area
Lafayette-West Lafayette, IN Metropolitan Statistical Area
Lake Charles, LA Metropolitan Statistical Area
Lake Havasu City-Kingman, AZ Metropolitan Statistical Area
Lakeland-Winter Haven, FL Metropolitan Statistical Area
Lancaster, PA Metropolitan Statistical Area

Permanent
Modifications Started
57
1,068
1,849
394
1,053
1,439
287
6,969
292
1,261
948
162
765
185
377
20,332
429
806
349
6,827
118
69
728
2,192
417
11,798
222
663
179
330
152
114
282
1,333
1,007
501
6,851
458
378
468
1,193
2,257
249
169
866
309
326
1,399
5,146
1,334

Median Monthly
Median Monthly
Payment Reduction % of
Payment
Pre-Modification
Reduction
Payment
$171.27
$265.52
$421.38
$279.75
$417.55
$294.29
$390.06
$445.92
$234.68
$247.76
$460.38
$263.74
$321.79
$312.91
$256.98
$281.09
$233.16
$240.92
$280.14
$270.59
$318.31
$339.73
$290.85
$249.72
$236.32
$362.63
$265.86
$263.31
$204.49
$252.73
$232.05
$216.50
$206.29
$967.79
$301.64
$336.94
$310.41
$273.70
$232.57
$241.23
$484.78
$256.12
$234.63
$263.96
$241.77
$264.01
$229.21
$401.25
$358.76
$306.12

33%
35%
32%
32%
34%
32%
34%
36%
32%
33%
37%
35%
38%
39%
34%
34%
35%
32%
29%
33%
32%
34%
37%
33%
35%
35%
30%
34%
30%
34%
37%
33%
33%
36%
37%
38%
35%
32%
33%
35%
38%
31%
35%
30%
32%
35%
33%
36%
37%
31%

30

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 7: All HAMP Activity by MSA

Metropolitan Statistical Area
Lansing-East Lansing, MI Metropolitan Statistical Area
Laredo, TX Metropolitan Statistical Area
Las Cruces, NM Metropolitan Statistical Area
Las Vegas-Henderson-Paradise, NV Metropolitan Statistical Area
Lawrence, KS Metropolitan Statistical Area
Lawton, OK Metropolitan Statistical Area
Lebanon, PA Metropolitan Statistical Area
Lewiston, ID-WA Metropolitan Statistical Area
Lewiston-Auburn, ME Metropolitan Statistical Area
Lexington-Fayette, KY Metropolitan Statistical Area
Lima, OH Metropolitan Statistical Area
Lincoln, NE Metropolitan Statistical Area
Little Rock-North Little Rock-Conway, AR Metropolitan Statistical Area
Logan, UT-ID Metropolitan Statistical Area
Longview, TX Metropolitan Statistical Area
Longview, WA Metropolitan Statistical Area
Los Angeles-Long Beach-Anaheim, CA Metropolitan Statistical Area
Louisville/Jefferson County, KY-IN Metropolitan Statistical Area
Lubbock, TX Metropolitan Statistical Area
Lynchburg, VA Metropolitan Statistical Area
Macon, GA Metropolitan Statistical Area
Madera, CA Metropolitan Statistical Area
Madison, WI Metropolitan Statistical Area
Manchester-Nashua, NH Metropolitan Statistical Area
Manhattan, KS Metropolitan Statistical Area
Mankato-North Mankato, MN Metropolitan Statistical Area
Mansfield, OH Metropolitan Statistical Area
Mayaguez, PR Metropolitan Statistical Area
McAllen-Edinburg-Mission, TX Metropolitan Statistical Area
Medford, OR Metropolitan Statistical Area
Memphis, TN-MS-AR Metropolitan Statistical Area
Merced, CA Metropolitan Statistical Area
Miami-Fort Lauderdale-West Palm Beach, FL Metropolitan Statistical Area
Michigan City-La Porte, IN Metropolitan Statistical Area
Midland, MI Metropolitan Statistical Area
Midland, TX Metropolitan Statistical Area
Milwaukee-Waukesha-West Allis, WI Metropolitan Statistical Area
Minneapolis-St. Paul-Bloomington, MN-WI Metropolitan Statistical Area
Missoula, MT Metropolitan Statistical Area
Mobile, AL Metropolitan Statistical Area
Modesto, CA Metropolitan Statistical Area
Monroe, LA Metropolitan Statistical Area
Monroe, MI Metropolitan Statistical Area
Montgomery, AL Metropolitan Statistical Area
Morgantown, WV Metropolitan Statistical Area
Morristown, TN Metropolitan Statistical Area
Mount Vernon-Anacortes, WA Metropolitan Statistical Area
Muncie, IN Metropolitan Statistical Area
Muskegon, MI Metropolitan Statistical Area
Myrtle Beach-Conway-North Myrtle Beach, SC-NC Metropolitan Statistical Area

Permanent
Modifications
Started
1,762
679
445
29,251
188
135
324
114
398
974
275
441
1,556
230
194
483
119,681
3,902
234
563
1,078
1,823
1,369
2,411
65
174
381
97
1,662
1,384
9,261
2,662
88,786
442
181
100
7,090
20,502
284
1,531
7,214
285
818
1,067
64
306
555
233
698
2,157

Median Monthly Median Monthly Payment
Payment
Reduction % of PreReduction
Modification Payment
$315.09
$286.94
$326.21
$519.57
$328.91
$215.80
$290.55
$261.17
$330.45
$283.57
$248.49
$265.84
$245.46
$309.26
$223.00
$366.34
$787.92
$266.72
$230.39
$247.01
$275.79
$502.86
$385.79
$471.71
$324.16
$310.93
$241.50
$201.99
$256.15
$458.41
$290.14
$527.62
$524.67
$253.89
$266.89
$259.49
$349.24
$444.28
$423.47
$261.33
$551.28
$204.46
$354.54
$245.61
$379.46
$258.81
$499.06
$218.78
$244.19
$370.66

36%
37%
33%
38%
33%
36%
31%
27%
35%
34%
41%
33%
33%
28%
33%
32%
37%
34%
34%
29%
37%
38%
34%
34%
32%
31%
35%
34%
36%
35%
37%
38%
41%
35%
36%
32%
37%
36%
33%
37%
37%
30%
35%
32%
40%
34%
36%
35%
37%
36%

31

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 7: All HAMP Activity by MSA

Metropolitan Statistical Area
Napa, CA Metropolitan Statistical Area
Naples-Immokalee-Marco Island, FL Metropolitan Statistical Area
Nashville-Davidson--Murfreesboro--Franklin, TN Metropolitan Statistical Area
New Bern, NC Metropolitan Statistical Area
New Haven-Milford, CT Metropolitan Statistical Area
New Orleans-Metairie, LA Metropolitan Statistical Area
New York-Newark-Jersey City, NY-NJ-PA Metropolitan Statistical Area
Niles-Benton Harbor, MI Metropolitan Statistical Area
North Port-Sarasota-Bradenton, FL Metropolitan Statistical Area
Norwich-New London, CT Metropolitan Statistical Area
Ocala, FL Metropolitan Statistical Area
Ocean City, NJ Metropolitan Statistical Area
Odessa, TX Metropolitan Statistical Area
Ogden-Clearfield, UT Metropolitan Statistical Area
Oklahoma City, OK Metropolitan Statistical Area
Olympia-Tumwater, WA Metropolitan Statistical Area
Omaha-Council Bluffs, NE-IA Metropolitan Statistical Area
Orlando-Kissimmee-Sanford, FL Metropolitan Statistical Area
Oshkosh-Neenah, WI Metropolitan Statistical Area
Owensboro, KY Metropolitan Statistical Area
Oxnard-Thousand Oaks-Ventura, CA Metropolitan Statistical Area
Palm Bay-Melbourne-Titusville, FL Metropolitan Statistical Area
Panama City, FL Metropolitan Statistical Area
Parkersburg-Vienna, WV Metropolitan Statistical Area
Pensacola-Ferry Pass-Brent, FL Metropolitan Statistical Area
Peoria, IL Metropolitan Statistical Area
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metropolitan Statistical Area
Phoenix-Mesa-Scottsdale, AZ Metropolitan Statistical Area
Pine Bluff, AR Metropolitan Statistical Area
Pittsburgh, PA Metropolitan Statistical Area
Pittsfield, MA Metropolitan Statistical Area
Pocatello, ID Metropolitan Statistical Area
Ponce, PR Metropolitan Statistical Area
Portland-South Portland, ME Metropolitan Statistical Area
Portland-Vancouver-Hillsboro, OR-WA Metropolitan Statistical Area
Port St. Lucie, FL Metropolitan Statistical Area
Prescott, AZ Metropolitan Statistical Area
Providence-Warwick, RI-MA Metropolitan Statistical Area
Provo-Orem, UT Metropolitan Statistical Area
Pueblo, CO Metropolitan Statistical Area
Punta Gorda, FL Metropolitan Statistical Area
Racine, WI Metropolitan Statistical Area
Raleigh, NC Metropolitan Statistical Area
Rapid City, SD Metropolitan Statistical Area
Reading, PA Metropolitan Statistical Area
Redding, CA Metropolitan Statistical Area
Reno, NV Metropolitan Statistical Area
Richmond, VA Metropolitan Statistical Area
Riverside-San Bernardino-Ontario, CA Metropolitan Statistical Area
Roanoke, VA Metropolitan Statistical Area

Permanent
Modifications
Started
1,264
2,707
6,122
216
6,908
5,332
133,460
569
5,888
1,700
2,868
719
84
2,074
2,375
1,208
2,139
29,878
319
162
8,395
5,114
770
93
2,033
594
35,476
45,308
121
5,798
314
197
245
2,936
12,713
5,719
1,428
12,834
2,735
737
1,358
868
4,153
180
1,696
1,274
4,302
6,741
73,424
943

Median Monthly Median Monthly Payment
Payment
Reduction % of PreReduction
Modification Payment
$798.43
$598.29
$308.69
$285.01
$466.20
$322.72
$765.29
$281.75
$463.10
$468.87
$350.96
$464.98
$239.03
$341.38
$254.65
$430.88
$270.89
$445.19
$277.32
$193.67
$817.86
$390.40
$384.91
$173.58
$304.64
$224.41
$381.41
$453.33
$224.21
$264.06
$328.03
$260.80
$218.60
$434.67
$468.71
$447.79
$438.19
$519.00
$449.65
$262.12
$436.57
$355.72
$332.82
$315.83
$326.00
$441.06
$520.03
$360.65
$621.73
$277.62

34%
41%
33%
37%
37%
36%
39%
36%
39%
37%
37%
33%
36%
28%
34%
32%
34%
38%
35%
34%
35%
38%
37%
30%
35%
35%
33%
37%
37%
36%
33%
32%
35%
35%
34%
39%
36%
37%
31%
34%
41%
36%
32%
34%
33%
34%
35%
32%
37%
32%

32

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 7: All HAMP Activity by MSA

Metropolitan Statistical Area
Rochester, MN Metropolitan Statistical Area
Rochester, NY Metropolitan Statistical Area
Rockford, IL Metropolitan Statistical Area
Rocky Mount, NC Metropolitan Statistical Area
Rome, GA Metropolitan Statistical Area
Sacramento--Roseville--Arden-Arcade, CA Metropolitan Statistical Area
Saginaw, MI Metropolitan Statistical Area
St. Cloud, MN Metropolitan Statistical Area
St. George, UT Metropolitan Statistical Area
St. Joseph, MO-KS Metropolitan Statistical Area
St. Louis, MO-IL Metropolitan Statistical Area
Salem, OR Metropolitan Statistical Area
Salinas, CA Metropolitan Statistical Area
Salisbury, MD-DE Metropolitan Statistical Area
Salt Lake City, UT Metropolitan Statistical Area
San Angelo, TX Metropolitan Statistical Area
San Antonio-New Braunfels, TX Metropolitan Statistical Area
San Diego-Carlsbad, CA Metropolitan Statistical Area
Sandusky, OH Metropolitan Statistical Area
San Francisco-Oakland-Hayward, CA Metropolitan Statistical Area
San German, PR Metropolitan Statistical Area
San Jose-Sunnyvale-Santa Clara, CA Metropolitan Statistical Area
San Juan-Carolina-Caguas, PR Metropolitan Statistical Area
San Luis Obispo-Paso Robles-Arroyo Grande, CA Metropolitan Statistical Area
Santa Cruz-Watsonville, CA Metropolitan Statistical Area
Santa Fe, NM Metropolitan Statistical Area
Santa Maria-Santa Barbara, CA Metropolitan Statistical Area
Santa Rosa, CA Metropolitan Statistical Area
Savannah, GA Metropolitan Statistical Area
Scranton--Wilkes-Barre--Hazleton, PA Metropolitan Statistical Area
Seattle-Tacoma-Bellevue, WA Metropolitan Statistical Area
Sebastian-Vero Beach, FL Metropolitan Statistical Area
Sebring, FL Metropolitan Statistical Area
Sheboygan, WI Metropolitan Statistical Area
Sherman-Denison, TX Metropolitan Statistical Area
Shreveport-Bossier City, LA Metropolitan Statistical Area
Sierra Vista-Douglas, AZ Metropolitan Statistical Area
Sioux City, IA-NE-SD Metropolitan Statistical Area
Sioux Falls, SD Metropolitan Statistical Area
South Bend-Mishawaka, IN-MI Metropolitan Statistical Area
Spartanburg, SC Metropolitan Statistical Area
Spokane-Spokane Valley, WA Metropolitan Statistical Area
Springfield, IL Metropolitan Statistical Area
Springfield, MA Metropolitan Statistical Area
Springfield, MO Metropolitan Statistical Area
Springfield, OH Metropolitan Statistical Area
State College, PA Metropolitan Statistical Area
Staunton-Waynesboro, VA Metropolitan Statistical Area
Stockton-Lodi, CA Metropolitan Statistical Area
Sumter, SC Metropolitan Statistical Area
Syracuse, NY Metropolitan Statistical Area

Permanent
Modifications
Started
482
2,212
1,678
515
209
24,622
564
539
1,125
235
13,150
1,872
3,821
2,167
6,238
74
4,371
26,778
2
32,322
121
10,397
4,445
1,702
1,696
708
2,903
4,408
1,587
1,865
22,854
1,262
580
258
197
1,085
336
250
278
1,210
1,108
1,908
253
3,276
882
440
195
301
10,217
279
1,064

Median Monthly Median Monthly Payment
Payment
Reduction % of PreReduction
Modification Payment
$323.37
$257.28
$316.06
$247.03
$237.07
$601.34
$263.57
$327.33
$523.81
$239.62
$298.00
$378.82
$856.82
$406.68
$412.74
$217.88
$250.66
$745.47
$388.53
$851.23
$203.34
$938.84
$290.85
$756.09
$967.55
$516.23
$724.80
$793.94
$314.15
$276.74
$546.88
$397.46
$361.53
$279.81
$242.39
$243.59
$307.72
$228.72
$239.93
$255.64
$242.78
$317.40
$240.21
$352.31
$263.15
$263.34
$322.09
$292.44
$632.33
$217.12
$254.29

33%
36%
38%
36%
32%
36%
38%
32%
36%
37%
36%
34%
39%
34%
32%
33%
33%
35%
41%
37%
33%
36%
37%
36%
38%
36%
37%
36%
34%
37%
34%
38%
40%
32%
33%
34%
32%
36%
28%
37%
33%
32%
38%
34%
34%
39%
32%
28%
37%
34%
36%

33

Making Home Affordable: Appendix
Program Performance Report through the Fourth Quarter 2017
Appendix 7: All HAMP Activity by MSA

Metropolitan Statistical Area

Permanent
Modifications
Started

Median Monthly
Median Monthly
Payment Reduction % of
Payment
Pre-Modification
Reduction
Payment

Tallahassee, FL Metropolitan Statistical Area

1,585

$318.21

31%

Tampa-St. Petersburg-Clearwater, FL Metropolitan Statistical Area

25,842

$394.32

38%

Terre Haute, IN Metropolitan Statistical Area

247

$212.82

39%

Texarkana, TX-AR Metropolitan Statistical Area

142

$195.34

29%

The Villages, FL Metropolitan Statistical Area

262

$326.60

34%

Toledo, OH Metropolitan Statistical Area

2,521

$265.52

37%

Topeka, KS Metropolitan Statistical Area

367

$232.89

32%

Trenton, NJ Metropolitan Statistical Area

2,148

$468.20

37%

Tucson, AZ Metropolitan Statistical Area

6,804

$358.24

35%

Tulsa, OK Metropolitan Statistical Area

1,886

$251.21

35%

Tuscaloosa, AL Metropolitan Statistical Area

462

$279.68

33%

Tyler, TX Metropolitan Statistical Area

303

$292.11

35%

3,366

$748.88

31%

Utica-Rome, NY Metropolitan Statistical Area

495

$246.27

37%

Valdosta, GA Metropolitan Statistical Area

247

$269.29

32%

7,023

$711.67

36%

Victoria, TX Metropolitan Statistical Area

61

$226.10

37%

Vineland-Bridgeton, NJ Metropolitan Statistical Area

971

$354.89

36%

Virginia Beach-Norfolk-Newport News, VA-NC Metropolitan Statistical Area

8,631

$386.86

32%

Visalia-Porterville, CA Metropolitan Statistical Area

4,266

$417.81

36%

Waco, TX Metropolitan Statistical Area

265

$208.87

34%

Walla Walla, WA Metropolitan Statistical Area

131

$369.45

35%

Warner Robins, GA Metropolitan Statistical Area

438

$273.77

35%

Urban Honolulu, HI Metropolitan Statistical Area

Vallejo-Fairfield, CA Metropolitan Statistical Area

Washington-Arlington-Alexandria, DC-VA-MD-WV Metropolitan Statistical Area

56,918

$627.86

35%

Waterloo-Cedar Falls, IA Metropolitan Statistical Area

271

$213.10

36%

Watertown-Fort Drum, NY Metropolitan Statistical Area

98

$222.71

31%

Wausau, WI Metropolitan Statistical Area

228

$291.91

36%

Weirton-Steubenville, WV-OH Metropolitan Statistical Area

196

$218.24

37%

Wenatchee, WA Metropolitan Statistical Area

343

$377.39

31%

Wheeling, WV-OH Metropolitan Statistical Area

157

$194.54

35%

1,040

$238.30

35%

Wichita Falls, TX Metropolitan Statistical Area

102

$180.32

32%

Williamsport, PA Metropolitan Statistical Area

209

$198.38

30%

Wilmington, NC Metropolitan Statistical Area

1,161

$386.62

35%

Winchester, VA-WV Metropolitan Statistical Area

897

$453.07

32%

Winston-Salem, NC Metropolitan Statistical Area

2,368

$270.08

33%

Worcester, MA-CT Metropolitan Statistical Area

6,893

$486.30

36%

531

$271.66

33%

York-Hanover, PA Metropolitan Statistical Area

2,023

$353.92

32%

Youngstown-Warren-Boardman, OH-PA Metropolitan Statistical Area

1,674

$251.70

37%

Yuba City, CA Metropolitan Statistical Area

1,566

$494.79

36%

Yuma, AZ Metropolitan Statistical Area

1,328

$332.70

35%

Wichita, KS Metropolitan Statistical Area

Yakima, WA Metropolitan Statistical Area

34