Making Home Affordable

The Mortgage Loan Modification Plan

189
Recipients
$22B
actually invested, loaned, or spent
The administration's plan to stem foreclosures provides incentive payments to mortgage servicers, investors and homeowners to promote mortgage loan modifications and other foreclosure alternatives (like short sales). The Treasury has set aside a total of $29.9 billion.

To see how much money has actually been paid out to each servicer, click on its name below. Keep in mind that some of those incentives will be passed on to investors and borrowers.

Originally, the Treasury set aside $50 billion for this program, but it reduced that amount over time, and finally in October, 2010, it set the final amount.

On top of the $29.9 billion, the program also calls for Fannie Mae and Freddie Mac to spend as much as $25 billion more in subsidies for loans that the companies own or guarantee.

ProPublica has reported extensively on the program's problems, particularly its weak oversight of participating servicers.

More info...


The following list shows the 189 recipients of Making Home Affordable.

Name State Date Entered Disbursed by MHA Returned to MHA
Schmidt Mortgage Company Ohio Sep. 30, 2010 $0 $0
Wachovia Mortgage, FSB Iowa Sep. 30, 2009 $238,890 $0
Santander Bank, N.A. Pa. Jul. 14, 2016 $61,696 $0
Rushmore Loan Management Services LLC Calif. Dec. 15, 2011 $89,542,475 $0
The Bryn Mawr Trust Co Pa. Apr. 21, 2010 $56,068 $0
First Financial Bank N.A. Idaho Aug. 27, 2010 $12,750 $0
Land/Home Financial Services, Inc. Calif. Jun. 16, 2015 $6,084 $0
RoundPoint Mortgage Servicing Corporation N.C. Aug. 28, 2009 $2,925,698 $0
Horicon Bank Wis. Sep. 2, 2009 $67,386 $0
Homeward Residential, Inc. Texas Jul. 24, 2009 $280,486,273 $0
Citizens 1st National Bank Ill. Dec. 16, 2009 $141,806 $0
Mortgage Center LLC Mich. Jul. 24, 2009 $2,311,565 $0
Caliber Home Loans, Inc. Okla. Sep. 15, 2010 $16,522,272 $0
JPMorgan Chase subsidiaries N.J. Apr. 13, 2009 $3,243,888,392 $0
GMAC Mortgage, LLC Pa. Apr. 13, 2009 $309,559,668 $0
Branch Banking and Trust N.C. Apr. 16, 2019 $15,111 $0
Georgia Housing & Finance Authority DBA State Home Mortgage Ga. May 14, 2015 $5,500 $0
Liberty Bank and Trust Co La. Sep. 30, 2010 $0 $0
Florida Community Bank, NA Fla. Feb. 13, 2014 $44,461 $0
First Keystone Bank Pa. Nov. 25, 2009 $14,917 $0
Greater Nevada LLC, dba Greater Nevada Mortgage Nev. Jan. 13, 2010 $902,098 $0
Yadkin Valley Bank N.C. Sep. 23, 2009 $144,486 $0
LenderLive Network, Inc Colo. Jan. 16, 2014 $116,270 $0
Amarillo National Bank Texas Sep. 30, 2010 $0 $0
Gateway Mortgage Group, LLC Okla. Sep. 30, 2010 $0 $0
Selene Finance, LP Texas Jun. 16, 2010 $17,380,512 $0
Vist Financial Corp Pa. Mar. 10, 2010 $0 $0
Schools Financial Credit Union Calif. Sep. 23, 2009 $198,427 $0
NJ Housing & Mortgage Finance N.J. Mar. 16, 2015 $0 $0
Community Loan Servicing, LLC Fla. Jul. 1, 2009 $375,517,124 $0
Servis One, Inc. dba BSI Financial Services Pa. Aug. 12, 2009 $39,797,723 $0
Glass City Federal Credit Union Ohio Sep. 23, 2009 $12,474 $0
FNF Servicing, Inc Va. Feb. 16, 2017 $3,578,915 $0
QLending, Inc. Fla. Nov. 18, 2009 $0 $0
Valon Mortgage, Inc. Aug. 16, 2021 $10,300 $0
Matrix Financial Services Corp. Ariz. Jan. 13, 2017 $397,626 $0
Sun West Mortgage Company, Inc Calif. Jan. 13, 2011 $0 $0
Navy Federal Credit Union Va. Mar. 10, 2010 $12,867,922 $0
Rocket Mortgage, LLC May 13, 2022 $16,917 $0
Mortgage Investors Group Tenn. Jul. 16, 2014 $12,833 $0
Apex Bank Tenn. Apr. 16, 2015 $792,510 $0
Quicken Loans, Inc. Mich. Dec. 14, 2012 $13,000 $0
California Housing Finance Agency Calif. Mar. 14, 2014 $45,827 $0
The Golden 1 Credit Union Calif. Dec. 9, 2009 $4,034,101 $0
Wescom Central Credit Union Calif. Jun. 19, 2009 $1,949,423 $0
Saxon Mortgage Services, Inc. Texas Apr. 13, 2009 $100,807,086 $0
First Bank Mo. Jul. 29, 2009 $7,626,247 $0
Mission Federal Credit Union Calif. Jul. 24, 2009 $828,874 $0
AmTrust Bank, A Division of New York Community Bank Ohio Apr. 18, 2011 $285,113 $0
Wallick and Volk Wyo. Apr. 14, 2016 $21,331 $0
Idaho Housing and Finance Association Idaho Dec. 4, 2009 $305,887 $0
Webster Bank, N.A. Conn. Dec. 16, 2014 $13,000 $0
Eastern Bank Mass. Mar. 16, 2016 $12,917 $0
Midwest Community Bank Ill. Sep. 15, 2010 $4,818 $0
21st Mortgage Corporation Tenn. Mar. 14, 2013 $12,352,221 $0
Fidelity Bank La. Dec. 9, 2009 $147,479 $0
Lake National Bank Ohio Jul. 10, 2009 $10,651 $0
iTHINK Financial Credit Union Fla. Jul. 10, 2009 $48,589 $0
First Horizon Bank Tenn. May 14, 2020 $131,854 $0
First Federal Bank of Florida Fla. Sep. 30, 2010 $0 $0
Addition Financial Credit Union Fla. Sep. 9, 2009 $1,486,089 $0
Park View Federal Savings Bank Ohio Dec. 16, 2009 $53,937 $0
Bridgelock Capital dba Peak Loan Servicing Calif. Jul. 16, 2013 $7,532 $0
Ally Bank Utah Aug. 14, 2014 $3,453,423 $0
PrimeWest Mortgage Corporation Texas Mar. 15, 2012 $0 $0
Banner Bank Wash. Jun. 16, 2016 $13,000 $0
Lennar Mortgage, LLC Fla. Feb. 13, 2020 $3,090 $0
Community Credit Union of Florida Fla. Sep. 30, 2010 $12,632 $0
Capital International Financial, Inc. Fla. Sep. 30, 2010 $0 $0
Statebridge Company, LLC Colo. Dec. 15, 2010 $1,145,692 $0
Fifth Third Bank Ohio Jun. 14, 2018 $0 $0
Fay Servicing, LLC Ill. Sep. 3, 2010 $105,196,507 $0
Guardian Mortgage, a division of Sunflower Bank, N.A. Texas Mar. 15, 2018 $93,546 $0
First State Bank Ill. Apr. 14, 2016 $26,000 $0
Zions Bancorporation, N.A. Utah Sep. 15, 2016 $13,000 $0
Central Pacific Bank Hawaii Mar. 16, 2016 $13,000 $0
First National Bank of Pennsylvania Pa. Jul. 14, 2017 $13,037 $0
Desjardins Bank Fla. Dec. 26, 2013 $27,644 $0
Wealthbridge Mortgage Corp Ore. Apr. 14, 2010 $0 $0
Community Bank & Trust Company Pa. Dec. 4, 2009 $0 $0
Purdue Federal Credit Union Ind. Jul. 29, 2009 $17,976 $0
CU Mortgage Services, Inc. Minn. Sep. 30, 2010 $0 $0
ShoreBank Ill. Jul. 17, 2009 $346,986 $0
Truist Financial Corporation Va. Apr. 13, 2011 $1,279,162 $0
Flagstar Capital Markets Corporation Mich. Sep. 30, 2010 $1,299,984 $0
Stockman Bank of Montana Mont. Sep. 30, 2010 $0 $0
U.S. Bank National Association Ky. Sep. 9, 2009 $200,343,166 $0
Quantum Servicing Corporation Fla. Nov. 18, 2009 $645,439 $0
Sortis Financial, Inc. Texas Sep. 2, 2009 $1,253,850 $0
Cheviot Savings Bank Ohio Jun. 14, 2013 $9,076 $0
Wells Fargo Bank, NA Iowa Apr. 13, 2009 $3,398,928,236 $0
Bank of Camden Tenn. Apr. 16, 2015 $0 $0
Wesbanco Bank Inc. W.Va. Nov. 16, 2016 $7,355 $0
KeyBank National Association Jul. 16, 2019 $20,000 $0
North American Savings Bank Mo. Oct. 26, 2017 $26,217 $0
OwnersChoice Funding, Incorporated N.Y. Sep. 9, 2009 $648,995 $0
Carrington Mortgage Services, LLC Calif. Apr. 27, 2009 $230,633,033 $0
Banco Popular de Puerto Rico Puerto Rico Sep. 30, 2010 $10,325,874 $0
Aurora Financial Group, Inc N.J. May 21, 2010 $52,533 $0
TIAA FSB Fla. Jul. 16, 2013 $24,709 $0
CitiMortgage, Inc. Mo. Apr. 13, 2009 $781,746,723 $0
SN Servicing Corporation La. Oct. 15, 2013 $2,635,129 $0
Litton Loan Servicing LP Texas Aug. 12, 2009 $76,324,760 $0
Planet Home Lending, LLC Conn. Oct. 14, 2016 $3,495,269 $0
Prosperity Bank Jan. 1, 2022 $6,657 $0
Umpqua Bank Ore. May 16, 2016 $491,168 $0
PNC Mortgage Ohio Jun. 26, 2009 $85,868,412 $0
Investors Bank N.J. Sep. 16, 2019 $6,750 $0
United Bank of Michigan Mich. Oct. 21, 2009 $384,128 $0
Oriental Bank Sep. 16, 2019 $73,385 $0
PNC Bank, National Association Pa. Jul. 17, 2009 $4,791,959 $0
Gregory Funding LLC Ore. Jul. 14, 2011 $9,534,233 $0
BankUnited, N.A. Fla. Oct. 23, 2009 $71,949,933 $0
Lake City Bank Ind. Aug. 5, 2009 $119,700 $0
Marsh Associates, Inc. N.C. Sep. 30, 2010 $20,337 $0
Plaza Home Mortgage, Inc Calif. Nov. 14, 2013 $12,917 $0
iServe Servicing, Inc. Texas Mar. 5, 2010 $0 $0
Sterling Savings Bank Wash. Dec. 9, 2009 $1,453,740 $0
IC Federal Credit Union Mass. Oct. 23, 2009 $174,070 $0
Hartford Savings Bank Wis. Dec. 11, 2009 $0 $0
iServe Residential Lending, LLC Calif. Jan. 29, 2010 $0 $0
Silver State Schools Credit Union Nev. Dec. 9, 2009 $285,844 $0
Home Servicing, LLC La. Feb. 14, 2013 $78,158 $0
NewRez LLC D/B/A Shellpoint Mortgage Servicing S.C. Jan. 22, 2015 $117,305,969 $0
Columbia Bank N.J. May 15, 2014 $141,340 $0
Noble Federal Credit Union Calif. Jan. 13, 2010 $24,954 $0
National Bank of Commerce Sep. 21, 2021 $20,375 $0
Aurora Loan Services, LLC Colo. May 1, 2009 $85,863,519 $0
Residential Credit Solutions Texas Jun. 12, 2009 $22,063,690 $0
M&T Bank N.Y. Sep. 30, 2010 $24,073,796 $0
Pathfinder Bank N.Y. Aug. 25, 2010 $111,914 $0
Urban Partnership Bank Ill. Apr. 13, 2011 $887,670 $0
Bangor Savings Bank Maine Sep. 15, 2011 $0 $0
United Bank Ga. Jan. 29, 2010 $177,242 $0
HomeStar Bank & Financial Services Ill. Dec. 11, 2009 $13,323 $0
Marix Servicing, LLC Ariz. Nov. 25, 2009 $2,162,025 $0
LegacyTexas Bank Texas May 16, 2013 $0 $0
RBC Bank (USA) N.C. Sep. 1, 2010 $0 $0
Credit Union Mortgage Association, Inc. Va. Jan. 31, 2020 $5,000 $0
PennyMac Loan Services, LLC Calif. Aug. 12, 2009 $89,870,025 $0
ORNL Federal Credit Union Tenn. Sep. 11, 2009 $243,397 $0
Citizens Bank, N.A. Va. Jun. 17, 2009 $29,394,844 $0
American Financial Resources Inc. N.J. Sep. 30, 2010 $0 $0
Maryland Community Development Administration Md. Dec. 15, 2016 $331,347 $0
Specialized Loan Servicing LLC Colo. Jan. 13, 2010 $428,874,217 $0
DuPage Credit Union Ill. Oct. 30, 2009 $153,997 $0
Heartland Bank & Trust Company Ill. May 15, 2014 $142,674 $0
Nationwide Advantage Mortgage Company Iowa Dec. 16, 2013 $7,917 $0
Franklin Credit Management Corporation N.J. Sep. 11, 2009 $1,744,103 $0
Select Portfolio Servicing Utah Apr. 13, 2009 $1,795,331,996 $0
Technology Credit Union Calif. Jun. 26, 2009 $470,513 $0
Colorado Federal Savings Bank Colo. Mar. 16, 2015 $69,026 $0
PHH Mortgage, a subsidiary of Ocwen Financial Corporation Fla. Apr. 16, 2009 $5,015,832,615 $0
Allstate Mortgage Loans & Investments, Inc Fla. Sep. 11, 2009 $39,094 $0
Axiom Bank Fla. Dec. 16, 2013 $24,175 $0
Weststar Mortgage, Inc. Va. Sep. 30, 2010 $0 $0
Franklin Savings Ohio Sep. 30, 2010 $9,615 $0
Freedom Mortgage Corporation Ind. Feb. 16, 2016 $213,161 $0
Magna Bank (servicing) Tenn. Sep. 30, 2010 $0 $0
Seneca Mortgage Servicing LLC N.Y. Sep. 23, 2009 $1,401,307 $0
PHH Mortgage Corporation N.J. Sep. 15, 2011 $658,465 $0
Rockland Trust Company Mass. Jun. 16, 2016 $26,000 $0
James B.Nutter and Company Mo. Sep. 30, 2010 $429,975 $0
Unify Financial Federal Credit Union Calif. Apr. 13, 2011 $153,638 $0
Scotiabank de Puerto Rico Puerto Rico Dec. 15, 2010 $2,603,545 $0
RG Mortgage Corporation Puerto Rico Jun. 17, 2009 $793,769 $0
First Citizens Bank & Trust Company N.C. Sep. 19, 2014 $43,150 $0
First Financial Bank Ind. Jun. 15, 2017 $5,000 $0
Ditech Financial LLC Minn. Apr. 24, 2009 $299,522,568 $0
Resurgent Capital Services L.P. S.C. Jun. 14, 2012 $3,202,722 $0
Great Lakes Credit Union Ill. Oct. 14, 2009 $170,351 $0
First Merchants Bank Ind. Jan. 13, 2017 $5,179 $0
FCI Lender Services, Inc. Calif. May 13, 2011 $525,154 $0
Oakland Municipal Credit Union Calif. Aug. 5, 2009 $10,068 $0
Nationstar Mortgage, LLC dba Mr. Cooper Texas May 28, 2009 $1,642,024,635 $0
CIT Bank, N.A. Calif. Aug. 28, 2009 $442,522,334 $0
HomEq Servicing Calif. Aug. 5, 2009 $8,308,819 $0
Los Alamos National Bank N.M. Nov. 6, 2009 $403,398 $0
Hillsdale County National Bank Mich. Nov. 18, 2009 $382,909 $0
Horizon Bank, NA Ind. Dec. 16, 2009 $0 $0
MorEquity, Inc. Ind. Jul. 17, 2009 $4,628,165 $0
Bank of America subsidiaries (incl. Countrywide) Calif. Apr. 17, 2009 $2,311,102,036 $0
First Mortgage Corporation Calif. Sep. 30, 2010 $6,917 $0
BMO Harris Bank, N.A. Ill. May 15, 2014 $37,724 $0
Ameriana Bank Ind. Jul. 16, 2014 $16,750 $0
Guaranty Bank Minn. Sep. 30, 2010 $1,917 $0
Iberiabank Fla. Dec. 23, 2009 $25,502 $0
GITSIT Solutions, LLC Calif. Nov. 15, 2012 $481,811 $0
MidFirst Bank Okla. Sep. 30, 2010 $232,760,904 $0

See the list of all initiatives and programs

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