HOPE NOW State Loss Mitigation Data December 2015 Table of Contents Page Definitions 2 Data Overview 3 Table 1 - Delinquencies 4 Table 2 - Foreclosure Starts 7 Table 3 - Foreclosure Sales 8 Table 4 - Repayment Plans Established 9 Table 5 - Modifications Completed 10 Table 7 - Foreclosure Times 11 Table 9 - Loan Counts 12 Table 10 - Other Retention Plans Completed 13 Table 13 - Modifications Completed for New P&I Payments Reduced at least 10% or More (Non-HAMP) Table 14 - Short Sales Completed Table 15 - Deed-in-Lieu 14 15 16 State Data is not extrapolated. NOT FOR REDISTRIBUTION, PUBLISHING, DATABASING, OR PUBLIC POSTING WITHOUT EXPRESS WRITTEN PERMISSION.
Definitions Table 1 Table 2 Table 3 Number of 60+ Loans (MBA Methodology) number of (all) loans that are 60 days past due at month end based on MBA Methodology excluding loans that are currently in Pre-Sale foreclosure. Foreclosure Starts The total number of loans referred to an attorney to initiate the legal process of foreclosure during the month. Completed Foreclosure Sale The number of loans that went to foreclosure (sheriffs) sale during the month. Table 4 Table 5 Table 6 Table 9 Table 10 Table 13 Table 14 Table 15 Formal Repayment Plans Initiated Number of loans where the customer accepted a formal, written repayment plan during the month, regardless of whether the customer performed under that plan. The plan offered to and accepted by the borrower in writing that triggers an active loss mitigation status. Informal plans should be excluded as well as HAMP Trial Period Modifications. MSP clients can use the DLQ2 plans set during the month or LMT3 utilizing step code information for the approval. Modifications Completed (Non-HAMP) Number of (delinquent and current) Non-HAMP modified, renegotiated or restructured loans, regardless of performance to date under the plan during the month. Anything that alters the terms of the contract between the borrower and the lender that assists the borrower to maintain the home and that the loan is retained. Active Formal Repayment Plans Inventory Number of loans where the customer accepted a formal, written repayment plan, regardless of whether the customer is performing under that plan. Informal plans should be excluded. All formal repayment plans that are currently active in Loss Mitigation should be reported excluding HAMP Trial Period Modifications. MSP clients can use the DLQ2 plans set during the month or LMT3 utilizing step code information for the approval. Number of Loans Serviced Active 1st lien mortgages (all loans) by state at month end. Other Retention Plans Completed -- Number of loans where the customer completed the terms of other retention plan such as; FHA Partial Claim, FHA Secured, VA Refund, Stipulated Repayment / Stip-to-Mod, Forbearance Plans, MI Claim Advance, Reaged / Deferred / Extended, FNMA Home Saver Forbearance, Payment Reduction Plan, or other GSE-sponsored forbearance program. Modifications Completed for New P&I Payments Reduced at least 10% or greater (Non-HAMP) Number of (delinquent and current) Non-HAMP modified, renegotiated or restructured loans, regardless of performance to date under the plan during the month for all New P&I Payments Reduced at least 10% or greater. Anything that alters the terms of the contract between the borrower and the lender that assists the borrower to maintain the home and that the loan is retained. Short Sales Completed Number of mortgage allowed to pay off paying less than the contractual principal balance. Deed-In-Lieu of Foreclosure Number of mortgages satisfied by the acceptance of the properties Deed-in-Lieu of proceeding with a foreclosure action. 2
HOPE NOW December 2015 Estimated Industry loans (thousands based on MBA extrapolation methodology) Q4-2013 Q1-2014 Q2-2014 Q3-2014 Q4-2014 Q1-2015 Q2-2015 Q3-2015 Q4-2015 45,938 47,197 46,810 46,686 46,502 46,432 45,684 44,720 44,154 Prime 41,702 43,029 42,750 42,686 42,495 42,340 41,676 41,444 40,990 Subprime 4,236 4,168 4,060 4,000 4,007 4,093 4,007 3,276 3,164 Industry market coverage statistics are based on quarterly Mortgage Bankers Association's Delinquency Survey. The MBA estimates that its survey covers approximately 88% of first residential liens; industry estimates are derived by dividing HOPE NOW survey data by 0.88. This assumption changed from 85% in Q1-2010. HOPE NOW loans (thousands) Q4-2013 Q1-2014 Q2-2014 Q3-2014 Q4-2014 Q1-2015 Q2-2015 Q3-2015 Q4-2015 Number 29,639 29,647 29,111 28,413 27,875 26,676 26,029 25,346 25,087 Prime 25,163 25,097 24,682 24,146 23,628 22,329 21,585 20,974 20,773 Subprime 4,476 4,550 4,429 4,267 4,247 4,346 4,444 4,372 4,314 Percentage of Industry 65% 63% 62% 61% 60% 57% 57% 57% 57% Prime 60% 58% 58% 57% 56% 53% 52% 51% 51% Subprime 106% 109% 109% 107% 106% 106% 111% 133% 136% HOPE NOW Loans As a Percentage of Industry Estimated Loans (thousands of residential mortgage Hope Now Alliance Survey (Q4-2015) MBA Delinquency Survey (Q4-2015) Extrapolated MBA Survey Hope Now Estimated Percent of Industry Loan Count 25,087 38,856 44,154 56.8% Prime Loan Count 20,773 36,071 40,990 50.7% Subprime Loan Count 4,314 2,784 3,164 136.3% Survey data may be restated from time to time based on servicers' collection and reporting. HOPE NOW reports State data as provided by servicers and aggregated. Data changes will generally be reflected in monthly reporting except for changes prior to the current year. 3
Table 1 - Delinquency Data The columns below show the adjusted monthly average number State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct 2015 Nov 2015 Dec 2015 Alabama 21,994 20,225 19,075 19,125 18,906 19,051 18,965 18,701 Alaska 1,120 1,143 1,096 1,085 919 894 927 937 Arizona 21,874 20,052 18,136 17,819 18,252 18,289 18,444 18,024 Arkansas 9,951 9,180 8,421 8,330 8,224 8,274 8,181 8,217 California 118,019 109,187 99,808 94,236 100,142 101,527 101,035 97,864 Colorado 15,043 13,917 12,321 11,505 11,110 11,269 11,150 10,911 Connecticut 21,376 20,774 19,428 18,283 17,833 18,084 17,933 17,481 Delaware 6,363 6,026 5,944 6,011 6,130 6,181 6,167 6,043 District of Columbia 3,912 3,637 3,244 3,069 2,928 2,971 2,949 2,865 Florida 163,044 147,164 132,714 123,783 117,866 120,525 118,862 114,212 Georgia 58,090 53,273 49,606 49,154 48,638 48,865 48,861 48,189 Hawaii 5,973 5,867 5,715 5,492 5,340 5,402 5,371 5,246 Idaho 4,241 3,887 3,583 3,465 3,383 3,392 3,412 3,344 Illinois 65,419 60,160 55,471 54,339 53,604 54,390 53,843 52,579 Indiana 29,012 26,357 24,587 24,454 24,091 24,287 24,084 23,901 Iowa 6,675 6,116 5,641 5,612 5,485 5,470 5,475 5,510 Kansas 7,691 7,141 6,677 6,564 6,574 6,574 6,626 6,521 Kentucky 13,429 12,230 11,356 11,355 11,134 11,258 11,157 10,986 Louisiana 19,158 17,818 16,776 17,150 17,459 17,409 17,535 17,432 Maine 6,229 6,194 5,877 5,753 5,583 5,630 5,596 5,523 Maryland 48,988 45,747 43,175 40,743 40,031 40,395 40,346 39,353 Massachusetts 31,440 30,647 29,930 28,595 27,763 28,153 27,932 27,205 Michigan 32,854 29,597 27,725 27,302 26,769 27,117 27,052 26,137 Minnesota 14,599 13,379 12,334 11,693 11,491 11,543 11,604 11,325 Mississippi 12,072 11,147 10,398 10,603 10,631 10,689 10,635 10,570 Missouri 21,901 19,910 18,537 18,274 18,072 18,239 18,300 17,678 Montana 1,672 1,574 1,441 1,428 1,429 1,401 1,448 1,439 Nebraska 4,497 4,242 4,086 4,046 4,023 4,005 4,076 3,988 Nevada 21,636 19,632 18,059 17,010 16,499 16,699 16,693 16,104 New Hampshire 4,930 4,738 4,470 4,288 4,170 4,247 4,195 4,069 New Jersey 81,073 79,958 78,257 75,357 74,127 75,175 74,771 72,434 New Mexico 7,700 7,526 7,159 7,016 6,868 6,916 6,911 6,776 New York 103,774 102,290 98,690 96,611 95,302 95,884 96,265 93,756 North Carolina 46,114 42,218 39,284 38,584 38,326 38,632 38,521 37,825 North Dakota 447 423 414 431 424 411 422 438 Ohio 46,538 42,139 39,363 38,910 38,282 38,682 38,438 37,727 Oklahoma 11,761 10,878 10,145 10,374 10,259 10,277 10,339 10,162 Oregon 15,936 15,042 14,286 13,319 12,434 12,803 12,501 11,998 Pennsylvania 60,572 56,032 52,477 51,538 51,547 51,548 52,023 51,069 Rhode Island 6,033 5,758 5,511 5,418 5,123 5,275 5,145 4,948 South Carolina 23,893 22,007 20,402 20,158 20,452 20,436 20,567 20,353 South Dakota 1,090 1,004 931 911 898 897 911 885 Tennessee 29,613 27,085 25,445 24,905 24,255 24,658 24,187 23,921 Texas 97,381 88,044 80,385 81,799 82,546 82,130 82,947 82,560 Utah 9,056 8,276 7,384 7,119 7,004 7,062 7,001 6,950 Vermont 1,714 1,631 1,552 1,498 1,471 1,447 1,490 1,475 Virginia 34,596 31,955 30,145 29,355 29,468 29,671 29,677 29,056 Washington 31,011 28,727 26,058 23,685 22,405 22,696 22,718 21,802 West Virginia 4,172 3,769 3,606 3,658 3,729 3,690 3,760 3,738 Wisconsin 14,286 13,077 12,274 12,036 11,909 11,999 11,921 11,806 Wyoming 992 921 862 885 890 874 888 908 1,420,955 1,319,720 1,230,260 1,194,131 1,182,197 1,193,393 1,190,257 1,162,941 4
Table 1 - Delinquency Data State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming 60+ Delinquency Rate (MBA) Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct 2015 Nov 2015 Dec 2015 5.94% 5.75% 5.57% 5.76% 5.82% 5.82% 5.81% 5.83% 1.91% 1.98% 1.93% 1.94% 1.66% 1.62% 1.66% 1.71% 2.84% 2.69% 2.50% 2.52% 2.61% 2.59% 2.63% 2.60% 5.57% 5.26% 4.96% 5.06% 5.13% 5.11% 5.11% 5.17% 3.11% 2.97% 2.79% 2.70% 2.83% 2.85% 2.85% 2.79% 2.41% 2.32% 2.13% 2.07% 2.04% 2.05% 2.05% 2.03% 6.57% 6.60% 6.30% 6.06% 5.97% 6.01% 5.98% 5.91% 6.21% 6.06% 5.80% 5.74% 5.70% 5.71% 5.73% 5.67% 4.80% 4.69% 4.54% 4.62% 4.70% 4.74% 4.73% 4.62% 7.74% 7.32% 6.79% 6.51% 6.24% 6.33% 6.27% 6.11% 5.28% 5.00% 4.74% 4.81% 4.85% 4.84% 4.87% 4.85% 6.43% 6.53% 6.56% 6.50% 6.47% 6.49% 6.50% 6.44% 2.90% 2.71% 2.58% 2.57% 2.57% 2.55% 2.58% 2.57% 5.63% 5.71% 5.37% 5.38% 5.35% 5.39% 5.36% 5.29% 5.88% 5.75% 5.51% 5.65% 5.68% 5.67% 5.67% 5.69% 3.87% 3.66% 3.48% 3.57% 3.56% 3.53% 3.53% 3.61% 4.11% 3.88% 3.75% 3.81% 3.87% 3.84% 3.90% 3.87% 5.40% 5.40% 5.16% 5.33% 5.35% 5.36% 5.34% 5.34% 6.13% 5.86% 5.65% 5.96% 6.18% 6.12% 6.19% 6.24% 7.20% 7.25% 7.02% 7.04% 6.94% 6.94% 6.95% 6.92% 6.59% 6.53% 6.29% 6.07% 6.02% 6.04% 6.06% 5.97% 6.39% 6.42% 6.38% 6.24% 6.12% 6.16% 6.14% 6.05% 4.27% 4.16% 4.01% 4.07% 4.06% 4.08% 4.09% 4.00% 2.62% 2.47% 2.32% 2.26% 2.25% 2.24% 2.27% 2.24% 8.48% 8.04% 7.70% 8.12% 8.29% 8.28% 8.25% 8.35% 4.60% 4.32% 4.13% 4.20% 4.23% 4.24% 4.28% 4.18% 2.23% 2.13% 2.00% 2.03% 2.07% 2.02% 2.08% 2.10% 3.47% 3.33% 3.30% 3.36% 3.39% 3.37% 3.41% 3.39% 6.55% 6.11% 5.80% 5.62% 5.51% 5.54% 5.56% 5.43% 4.28% 4.17% 3.98% 3.90% 3.83% 3.87% 3.85% 3.77% 8.97% 9.18% 9.16% 9.03% 8.93% 8.99% 8.99% 8.81% 4.63% 4.67% 4.55% 4.57% 4.54% 4.56% 4.54% 4.53% 7.82% 7.82% 7.67% 7.65% 7.62% 7.63% 7.68% 7.55% 4.72% 4.53% 4.29% 4.31% 4.37% 4.36% 4.39% 4.35% 1.48% 1.43% 1.43% 1.54% 1.54% 1.49% 1.52% 1.61% 6.01% 6.14% 5.89% 5.99% 6.01% 6.02% 6.02% 5.99% 5.02% 4.76% 4.60% 4.88% 4.95% 4.91% 4.98% 4.97% 3.82% 3.72% 3.65% 3.53% 3.37% 3.44% 3.38% 3.30% 5.90% 5.84% 5.58% 5.60% 5.68% 5.63% 5.71% 5.69% 7.79% 7.71% 7.56% 7.61% 7.26% 7.44% 7.27% 7.07% 5.27% 5.03% 4.76% 4.82% 4.97% 4.94% 4.99% 4.99% 2.16% 2.07% 1.97% 1.98% 2.00% 1.97% 2.00% 2.04% 5.62% 5.30% 5.13% 5.20% 5.19% 5.23% 5.16% 5.18% 4.39% 4.12% 3.86% 4.05% 4.13% 4.08% 4.14% 4.17% 3.27% 3.08% 2.84% 2.84% 2.84% 2.84% 2.83% 2.85% 5.20% 5.15% 5.01% 4.96% 4.96% 4.85% 5.02% 5.01% 3.67% 3.59% 3.46% 3.44% 3.49% 3.49% 3.51% 3.47% 4.13% 3.96% 3.71% 3.48% 3.36% 3.37% 3.40% 3.31% 5.46% 5.15% 5.03% 5.25% 5.46% 5.37% 5.46% 5.56% 4.38% 4.20% 4.06% 4.11% 4.13% 4.12% 4.13% 4.15% 2.38% 2.26% 2.18% 2.34% 2.41% 2.34% 2.40% 2.49% 5.10% 4.95% 4.73% 4.71% 4.71% 4.72% 4.73% 4.68% 5
Table 1 - Delinquency Data The columns below show the state delinquency rate relative to the national delinquency rate; a value greater than 100 means that the state's delinquency rate is above the national average State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Delinquency Index = State/Industry Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct 2015 Nov 2015 Dec 2015 117 116 118 122 124 123 123 125 37 40 41 41 35 34 35 37 56 54 53 54 55 55 56 56 109 106 105 107 109 108 108 110 61 60 59 57 60 60 60 60 47 47 45 44 43 43 43 43 129 133 133 129 127 127 126 126 122 122 123 122 121 121 121 121 94 95 96 98 100 100 100 99 152 148 144 138 132 134 132 131 103 101 100 102 103 102 103 104 126 132 139 138 137 137 137 138 57 55 55 55 54 54 54 55 110 115 114 114 113 114 113 113 115 116 117 120 120 120 120 122 76 74 74 76 75 75 75 77 81 78 79 81 82 81 82 83 106 109 109 113 113 113 113 114 120 119 120 126 131 130 131 133 141 147 149 149 147 147 147 148 129 132 133 129 128 128 128 128 125 130 135 133 130 130 130 129 84 84 85 86 86 86 86 85 51 50 49 48 48 47 48 48 166 163 163 172 176 175 174 178 90 87 87 89 90 90 90 89 44 43 42 43 44 43 44 45 68 67 70 71 72 71 72 72 129 124 123 119 117 117 117 116 84 84 84 83 81 82 81 81 176 185 194 192 190 190 190 188 91 94 96 97 96 97 96 97 153 158 162 162 162 162 162 161 93 91 91 92 93 92 93 93 29 29 30 33 33 31 32 34 118 124 125 127 127 127 127 128 99 96 97 104 105 104 105 106 75 75 77 75 72 73 71 70 116 118 118 119 120 119 121 121 153 156 160 162 154 158 153 151 103 102 101 102 106 105 105 107 42 42 42 42 43 42 42 44 110 107 109 110 110 111 109 111 86 83 82 86 88 86 87 89 64 62 60 60 60 60 60 61 102 104 106 105 105 103 106 107 72 73 73 73 74 74 74 74 81 80 78 74 71 71 72 71 107 104 106 111 116 114 115 119 86 85 86 87 88 87 87 89 47 46 46 50 51 50 51 53 6
Table 2 - Foreclosure Starts The columns below show the adjusted number of foreclosure starts by state reported by HOPE NOW servicers. Foreclosure Starts Adjusted for all HOPE NOW Servicers State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct-2015 Nov-2015 Dec-2015 Alabama 2,543 2,495 2,007 2,131 1,924 708 558 658 Alaska 146 152 144 158 125 36 44 45 Arizona 2,920 2,966 2,311 2,070 2,130 778 614 738 Arkansas 1,139 1,182 1,128 867 937 351 296 290 California 11,199 11,263 8,336 7,617 9,107 3,651 2,528 2,928 Colorado 1,617 1,253 1,400 1,217 1,127 393 353 381 Connecticut 1,811 1,347 1,860 1,653 1,447 512 404 531 Delaware 575 652 687 526 620 238 177 205 District of Columbia 689 409 304 245 211 90 43 78 Florida 11,685 10,998 9,764 8,431 8,322 3,068 2,305 2,949 Georgia 7,247 6,323 5,528 5,304 4,797 1,710 1,435 1,652 Hawaii 383 466 344 286 241 100 68 73 Idaho 518 552 428 439 371 151 102 118 Illinois 6,381 5,828 5,308 4,437 4,177 1,551 1,271 1,355 Indiana 2,962 3,202 2,295 2,438 2,194 796 713 685 Iowa 907 970 798 671 696 236 217 243 Kansas 929 1,000 793 733 709 240 220 249 Kentucky 1,363 1,407 1,111 1,104 993 324 335 334 Louisiana 1,639 1,806 1,402 1,453 1,508 507 459 542 Maine 404 638 454 432 386 146 106 134 Maryland 5,904 4,345 4,389 4,392 3,506 1,268 1,019 1,219 Massachusetts 2,258 3,198 1,842 2,078 1,537 737 378 422 Michigan 3,579 4,214 3,157 2,986 2,697 983 822 892 Minnesota 2,534 1,960 1,626 1,518 1,356 462 425 469 Mississippi 1,257 1,125 1,071 1,064 950 320 256 374 Missouri 3,107 2,826 2,438 2,298 2,264 783 709 772 Montana 245 209 256 209 170 56 56 58 Nebraska 433 434 395 379 346 138 102 106 Nevada 2,047 2,425 1,777 1,636 1,248 470 360 418 New Hampshire 614 584 426 446 403 150 109 144 New Jersey 7,035 7,337 6,160 4,476 4,965 1,960 1,409 1,596 New Mexico 861 983 758 744 622 216 191 215 New York 7,413 7,312 6,433 5,907 5,114 1,778 1,637 1,699 North Carolina 4,611 4,433 4,217 4,012 3,680 1,295 1,133 1,252 North Dakota 54 60 42 42 55 21 16 18 Ohio 4,828 4,646 4,034 3,910 3,612 1,257 1,110 1,245 Oklahoma 1,322 1,517 1,080 939 1,321 502 386 433 Oregon 1,305 1,439 1,425 1,177 1,012 343 330 339 Pennsylvania 5,436 5,409 4,994 4,589 4,368 1,629 1,258 1,481 Rhode Island 399 582 468 676 625 225 168 232 South Carolina 2,137 2,563 2,083 2,001 1,261 512 357 392 South Dakota 122 135 101 96 71 27 16 28 Tennessee 3,292 3,329 2,651 2,711 2,391 866 678 847 Texas 10,441 9,697 7,854 7,144 8,285 3,465 2,463 2,357 Utah 1,028 1,020 804 832 722 269 211 242 Vermont 182 195 125 127 116 39 37 40 Virginia 4,314 4,003 3,570 3,249 3,102 1,092 935 1,075 Washington 3,501 2,582 3,340 2,523 2,054 725 537 792 West Virginia 629 486 440 429 408 151 123 134 Wisconsin 1,680 1,810 1,372 1,341 1,183 432 363 388 Wyoming 163 163 113 108 124 42 39 43 139,788 135,930 115,843 106,239 101,590 37,799 29,881 33,910 7
Table 3 - Foreclosure Sales Completed The columns below show the adjusted number of completed foreclosure sales by state reported by HOPE NOW servicers. Foreclosure Sales Completed Adjusted for all HOPE NOW Servicers State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct-2015 Nov-2015 Dec-2015 Alabama 1,386 1,233 1,149 1,019 1,169 362 349 458 Alaska 91 74 55 52 54 21 12 21 Arizona 1,223 1,172 1,166 1,148 1,052 347 351 354 Arkansas 708 536 626 544 528 194 140 194 California 3,406 2,829 3,090 2,493 2,787 1,027 972 788 Colorado 630 572 553 495 478 178 147 153 Connecticut 1,045 1,095 881 739 611 250 185 176 Delaware 132 213 167 76 142 46 65 31 District of Columbia 40 31 19 13 13 7 3 3 Florida 13,637 13,862 11,194 8,929 7,239 2,764 2,326 2,149 Georgia 2,999 2,499 2,494 2,277 2,489 953 768 768 Hawaii 115 116 117 109 111 29 33 49 Idaho 315 318 250 212 208 69 63 76 Illinois 3,858 3,610 3,033 2,643 2,850 1,033 889 928 Indiana 1,410 1,432 1,368 1,162 1,209 456 391 362 Iowa 443 470 334 378 406 123 122 161 Kansas 438 457 455 408 336 124 105 107 Kentucky 701 611 608 439 602 191 230 181 Louisiana 770 703 722 671 616 242 171 203 Maine 288 194 134 143 166 58 57 51 Maryland 2,126 2,137 1,999 1,958 1,975 692 622 661 Massachusetts 360 519 496 626 766 269 251 246 Michigan 2,459 2,310 1,950 1,704 1,728 672 445 611 Minnesota 1,044 1,198 982 804 697 259 225 213 Mississippi 504 499 507 482 529 207 135 187 Missouri 1,429 1,373 1,305 1,118 1,149 431 367 351 Montana 114 76 75 82 68 29 27 12 Nebraska 163 175 157 149 179 63 66 50 Nevada 740 835 920 802 769 267 241 261 New Hampshire 225 255 219 189 201 79 60 62 New Jersey 1,602 2,113 2,527 2,886 2,622 1,041 845 736 New Mexico 183 198 318 275 372 108 120 144 New York 1,606 1,824 2,097 2,166 1,942 772 588 582 North Carolina 2,340 2,218 2,187 2,000 1,973 740 572 661 North Dakota 7 13 8 9 10 3 3 4 Ohio 2,875 2,362 2,258 1,916 2,081 766 652 663 Oklahoma 727 622 624 494 807 297 260 250 Oregon 797 937 894 674 659 232 224 203 Pennsylvania 2,446 2,241 2,108 2,024 2,032 757 580 695 Rhode Island 213 253 139 128 420 198 141 81 South Carolina 1,168 999 1,034 990 764 228 228 308 South Dakota 54 54 61 55 40 16 13 11 Tennessee 1,577 1,446 1,566 1,469 1,399 494 477 428 Texas 3,506 3,389 2,851 2,017 2,485 889 820 776 Utah 362 314 329 255 250 96 77 77 Vermont 75 81 86 79 56 29 14 13 Virginia 1,464 1,511 1,621 1,495 1,526 554 506 466 Washington 1,661 1,434 1,108 1,180 1,188 458 290 440 West Virginia 209 202 193 180 189 58 66 65 Wisconsin 787 767 676 679 638 232 213 193 Wyoming 47 64 55 62 52 20 13 19 66,505 64,446 59,765 52,885 52,632 19,430 16,520 16,682 8
Table 4 - Repayment Plans Established The columns below show the adjusted number of repayment plans established by state reported by HOPE NOW servicers. The definition of this field was modified in December 2009. Repayment Plans Established Adjusted for all HOPE NOW Servicers State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct-2015 Nov-2015 Dec-2015 Alabama 1,734 1,593 1,329 1,253 1,242 454 399 389 Alaska 106 136 130 76 61 32 18 11 Arizona 2,124 1,972 1,403 1,519 1,498 499 518 481 Arkansas 750 694 547 536 457 153 159 145 California 9,335 9,093 5,541 6,597 6,511 2,330 2,137 2,044 Colorado 1,500 1,524 1,009 995 830 311 260 259 Connecticut 1,740 1,627 1,043 1,193 1,181 404 396 381 Delaware 528 483 378 411 399 144 138 117 District of Columbia 272 261 166 154 162 62 40 60 Florida 9,485 8,078 4,982 5,845 5,467 1,968 1,773 1,726 Georgia 5,162 4,686 3,529 3,651 3,463 1,183 1,135 1,145 Hawaii 291 275 168 180 181 81 53 47 Idaho 377 407 277 270 256 90 85 81 Illinois 5,004 4,642 3,218 3,498 3,676 1,348 1,201 1,127 Indiana 2,435 2,243 1,660 1,735 1,598 556 554 488 Iowa 754 725 536 492 460 158 124 178 Kansas 724 699 560 481 477 158 161 158 Kentucky 1,096 958 814 746 650 253 183 214 Louisiana 1,766 1,710 1,222 1,327 1,200 434 385 381 Maine 425 416 302 286 255 97 70 88 Maryland 4,144 3,792 2,642 2,879 2,637 928 866 843 Massachusetts 2,153 2,052 1,327 1,599 1,464 540 432 492 Michigan 2,618 2,295 1,676 2,021 1,703 606 596 501 Minnesota 1,578 1,513 1,118 999 911 316 281 314 Mississippi 967 906 595 671 656 255 216 185 Missouri 1,831 1,680 1,286 1,299 1,151 386 390 375 Montana 168 167 150 105 142 46 57 39 Nebraska 376 397 307 250 237 74 88 75 Nevada 989 995 664 746 693 233 220 240 New Hampshire 527 510 312 359 317 118 102 97 New Jersey 5,741 5,095 3,549 3,535 3,531 1,272 1,137 1,122 New Mexico 638 601 479 419 429 152 141 136 New York 7,322 6,586 4,269 4,869 4,965 1,688 1,710 1,567 North Carolina 4,159 3,896 3,003 2,903 2,653 916 858 879 North Dakota 51 43 38 38 45 11 11 23 Ohio 3,566 3,288 2,428 2,686 2,390 870 758 762 Oklahoma 1,045 1,037 772 834 746 249 243 254 Oregon 1,111 967 732 708 668 227 239 202 Pennsylvania 5,826 5,326 3,693 3,948 3,856 1,317 1,284 1,255 Rhode Island 431 428 297 312 329 108 116 105 South Carolina 2,116 2,082 1,476 1,521 1,386 483 453 450 South Dakota 110 114 94 73 65 16 24 25 Tennessee 2,429 2,168 1,701 1,722 1,489 513 469 507 Texas 10,183 9,511 7,490 7,410 6,926 2,423 2,289 2,214 Utah 884 815 629 558 530 171 183 176 Vermont 134 131 95 101 107 35 37 35 Virginia 3,211 3,081 2,256 2,210 1,980 704 627 649 Washington 2,068 1,927 1,415 1,359 1,200 428 364 408 West Virginia 333 394 240 237 244 90 75 79 Wisconsin 1,413 1,261 866 895 906 315 281 310 Wyoming 133 140 100 110 89 27 25 37 113,863 105,420 74,513 78,608 74,469 26,232 24,361 23,876 9
Table 5 - Modifications Completed The columns below show the adjusted number of modifications completed by state reported by HOPE NOW servicers. The definition of this field was modified slightly in December 2009 to include current modifications and specifically exclude HAMP. Modifications Completed Adjusted for all HOPE NOW Servicers State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct-2015 Nov-2015 Dec-2015 Alabama 805 819 793 698 641 251 178 212 Alaska 38 31 31 31 37 17 12 8 Arizona 920 911 890 827 739 268 225 246 Arkansas 319 346 358 279 310 102 96 112 California 5,431 5,945 5,157 4,594 4,185 1,564 1,209 1,412 Colorado 684 653 635 550 437 169 124 144 Connecticut 991 1,056 943 814 738 263 248 227 Delaware 228 265 268 284 245 82 83 80 District of Columbia 183 195 189 138 106 36 33 37 Florida 5,746 6,232 5,787 4,579 4,000 1,455 1,202 1,343 Georgia 2,409 2,590 2,350 2,104 1,955 649 633 673 Hawaii 184 173 184 176 137 51 41 45 Idaho 204 200 191 165 145 49 51 45 Illinois 2,820 2,831 2,670 2,439 2,215 783 699 733 Indiana 1,051 1,091 1,030 900 860 311 274 275 Iowa 334 311 284 269 236 92 65 79 Kansas 296 298 293 256 248 89 68 91 Kentucky 512 467 498 488 380 132 116 132 Louisiana 774 865 863 733 657 252 183 222 Maine 236 236 245 230 215 74 63 78 Maryland 2,167 2,205 2,034 1,825 1,677 582 514 581 Massachusetts 1,352 1,375 1,277 1,127 1,067 359 332 376 Michigan 1,494 1,427 1,296 1,090 1,068 390 315 363 Minnesota 720 702 681 574 503 165 160 178 Mississippi 411 449 453 368 368 147 104 117 Missouri 898 975 834 775 716 238 202 276 Montana 80 90 85 83 55 23 15 17 Nebraska 177 124 133 140 102 40 30 32 Nevada 554 724 624 571 460 166 127 167 New Hampshire 206 288 247 225 200 71 73 56 New Jersey 2,573 3,027 2,896 2,564 2,305 814 706 785 New Mexico 295 304 320 277 263 101 73 89 New York 3,628 4,071 3,776 3,478 3,100 1,111 946 1,043 North Carolina 1,996 2,032 1,981 1,688 1,643 591 499 553 North Dakota 15 21 15 15 18 7 3 8 Ohio 1,680 1,850 1,687 1,592 1,342 467 417 458 Oklahoma 370 424 405 351 341 111 115 115 Oregon 571 635 589 532 456 162 138 156 Pennsylvania 2,731 2,738 2,387 2,163 1,947 641 613 693 Rhode Island 279 293 281 213 239 89 71 79 South Carolina 1,041 1,173 1,087 919 901 315 281 305 South Dakota 42 36 47 33 36 8 13 15 Tennessee 1,160 1,129 1,003 956 909 317 301 291 Texas 3,126 3,042 2,956 2,718 2,567 888 785 894 Utah 316 412 387 300 251 78 88 85 Vermont 78 89 85 72 77 17 41 19 Virginia 1,518 1,593 1,524 1,429 1,251 412 375 464 Washington 1,064 1,228 1,066 973 821 293 249 279 West Virginia 162 155 173 138 117 42 34 41 Wisconsin 626 700 702 526 465 150 142 173 Wyoming 38 41 47 36 30 9 10 11 55,533 58,867 54,737 48,293 43,781 15,493 13,375 14,913 10
Table 7 - State Timelines for Foreclosure Starts and Completions Time Limit from Last Payment to Completion First Lien - Referred to FC prior to 10/1/2011 Time Limit from Last Payment to Completion First Lien - Referred to FC on or after 10/1/2011 Time Limit From Initiation to Completion Maximum Delinquency Period Number of Loans as of Dec 2015 State Alabama 300 270 150 150 320,575 Alaska 300 300 150 150 54,729 Arizona 300 300 150 150 693,156 Arkansas 300 280 150 150 158,992 California 300 300 150 150 3,502,498 Colorado 330 330 180 150 537,869 Connecticut 690 690 540 150 295,808 Delaware 480 480 330 150 106,574 District of Columbia 300 300 150 150 61,969 Florida 660 660 510 150 1,869,594 Georgia 300 270 150 150 994,225 Hawaii 500 500 350 150 81,504 Idaho 440 440 290 150 130,034 Illinois 480 480 330 150 994,218 Indiana 480 480 330 150 420,270 Iowa 480 480 330 150 152,519 Kansas 330 330 180 150 168,415 Kentucky 420 420 270 150 205,765 Louisiana 390 390 240 150 279,206 Maine 570 570 420 150 79,783 Maryland 485 485 335 150 659,150 Massachusetts 350 350 200 150 449,903 Michigan 300 270 150 150 653,386 Minnesota 300 270 150 150 506,311 Mississippi 300 270 150 150 126,539 Missouri 300 270 150 150 422,519 Montana 360 360 210 150 68,491 Nebraska 330 330 180 150 117,587 Nevada 360 360 210 150 296,578 New Hampshire 300 270 150 150 107,941 New Jersey 750 750 600 150 822,392 New Mexico 450 450 300 150 149,489 New York 820 820 670 150 1,242,499 North Carolina 300 300 150 150 869,369 North Dakota 405 405 255 150 27,213 Ohio 450 450 300 150 630,275 Oklahoma 420 420 270 150 204,510 Oregon 330 330 180 150 363,993 Pennsylvania 480 480 330 150 898,180 Rhode Island 330 330 180 150 70,032 South Carolina 420 420 270 150 407,522 South Dakota 360 360 210 150 43,398 Tennessee 300 270 150 150 461,441 Texas 300 270 150 150 1,981,134 Utah 330 330 180 150 244,050 Vermont 510 510 360 150 29,433 Virginia 300 270 150 150 838,260 Washington 330 330 180 150 658,772 West Virginia 300 290 150 150 67,213 Wisconsin 480 480 330 150 284,648 Wyoming 300 270 150 150 36,534 24,846,465 Weighted Average 415 265 Minimum 300 150 Maximum 820 670 Source: Freddie Mac State Foreclosure Timelines and HOPE NOW Timeline only changed for mortgages reffered to prior to October 1, 2011 Both timelines experienced a change 11
Table 9 - Loan Counts The columns below show the adjusted average total loan count by state reported by HOPE NOW servicers. Loan Counts Adjusted for all HOPE NOW Servicers State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Sep 2015 Oct 2015 Nov 2015 Dec 2015 Alabama 370,073 351,505 342,314 331,978 324,739 328,726 327,383 326,258 320,575 Alaska 58,612 57,777 56,737 55,847 55,255 55,526 55,328 55,708 54,729 Arizona 770,806 744,275 725,440 706,346 699,963 700,479 705,284 701,450 693,156 Arkansas 178,491 174,669 169,804 164,589 160,327 162,991 162,039 159,949 158,992 California 3,798,402 3,671,853 3,578,269 3,492,417 3,532,631 3,465,603 3,556,198 3,539,196 3,502,498 Colorado 624,118 600,204 579,589 556,556 544,182 549,470 549,827 544,850 537,869 Connecticut 325,560 314,868 308,358 301,629 298,828 299,553 301,026 299,651 295,808 Delaware 102,415 99,442 102,485 104,724 107,524 107,934 108,295 107,703 106,574 District of Columbia 81,488 77,505 71,411 66,427 62,340 62,277 62,707 62,344 61,969 Florida 2,105,355 2,009,640 1,955,125 1,900,644 1,889,685 1,883,216 1,903,636 1,895,826 1,869,594 Georgia 1,101,212 1,064,789 1,046,202 1,021,289 1,002,869 1,013,193 1,010,534 1,003,848 994,225 Hawaii 92,882 89,802 87,142 84,474 82,487 83,746 83,280 82,676 81,504 Idaho 146,268 143,602 138,879 134,687 131,803 133,253 132,877 132,498 130,034 Illinois 1,161,613 1,053,122 1,032,295 1,009,347 1,002,512 1,002,626 1,008,517 1,004,800 994,218 Indiana 493,762 458,369 446,414 433,048 424,403 429,203 428,287 424,651 420,270 Iowa 172,572 166,916 162,127 157,213 154,170 155,831 155,089 154,902 152,519 Kansas 187,313 184,149 178,157 172,501 169,832 170,974 171,018 170,062 168,415 Kentucky 248,596 226,360 219,955 212,968 208,227 210,878 210,116 208,801 205,765 Louisiana 312,707 303,858 296,843 287,902 282,406 285,017 284,518 283,493 279,206 Maine 86,555 85,406 83,726 81,750 80,474 81,312 81,133 80,507 79,783 Maryland 743,064 700,933 686,089 671,282 664,457 666,826 668,611 665,610 659,150 Massachusetts 492,130 477,663 469,467 458,011 453,870 455,068 457,154 454,554 449,903 Michigan 769,456 711,556 691,295 671,148 659,551 665,072 664,531 660,737 653,386 Minnesota 557,569 542,717 530,804 517,760 510,863 514,343 514,651 511,628 506,311 Mississippi 142,302 138,619 135,015 130,637 128,188 129,445 129,061 128,964 126,539 Missouri 475,675 461,094 448,666 434,975 426,882 431,122 430,173 427,953 422,519 Montana 75,106 74,021 72,210 70,173 69,206 69,605 69,512 69,615 68,491 Nebraska 129,460 127,351 123,914 120,491 118,644 119,439 118,932 119,412 117,587 Nevada 330,183 321,151 311,605 302,626 299,522 299,738 301,568 300,420 296,578 New Hampshire 115,219 113,487 112,164 109,899 108,857 109,579 109,605 109,025 107,941 New Jersey 903,668 871,361 854,427 834,109 830,072 827,605 836,069 831,754 822,392 New Mexico 166,266 161,037 157,505 153,499 151,189 152,092 151,697 152,380 149,489 New York 1,326,243 1,307,253 1,286,728 1,263,264 1,250,707 1,254,867 1,256,509 1,253,114 1,242,499 North Carolina 976,940 932,826 914,699 894,197 877,146 888,158 885,234 876,835 869,369 North Dakota 30,191 29,636 28,876 28,064 27,532 27,797 27,638 27,744 27,213 Ohio 774,046 686,217 668,055 649,267 637,209 643,628 642,476 638,876 630,275 Oklahoma 234,069 228,555 220,515 212,542 207,153 210,152 209,207 207,742 204,510 Oregon 417,123 404,316 390,974 377,149 368,754 372,595 372,256 370,014 363,993 Pennsylvania 1,027,342 959,123 940,090 919,609 908,142 913,043 915,239 911,008 898,180 Rhode Island 77,492 74,674 72,885 71,161 70,577 70,685 70,893 70,807 70,032 South Carolina 453,613 437,258 428,497 418,407 411,319 415,154 414,059 412,377 407,522 South Dakota 50,442 48,522 47,333 45,983 44,799 45,606 45,494 45,505 43,398 Tennessee 527,352 510,785 496,166 479,279 467,089 473,838 471,481 468,345 461,441 Texas 2,215,887 2,137,342 2,080,700 2,021,325 1,998,873 2,003,727 2,011,613 2,003,873 1,981,134 Utah 276,738 268,556 259,922 250,963 246,665 248,213 248,684 247,261 244,050 Vermont 32,929 31,640 30,976 30,179 29,649 29,961 29,844 29,671 29,433 Virginia 941,501 889,612 871,962 854,136 845,072 848,985 851,082 845,873 838,260 Washington 750,506 725,108 702,944 679,698 666,759 672,347 672,856 668,648 658,772 West Virginia 76,433 73,219 71,662 69,657 68,262 68,978 68,744 68,828 67,213 Wisconsin 325,843 311,086 302,204 292,765 288,101 290,459 290,894 288,762 284,648 Wyoming 41,678 40,768 39,558 37,882 36,976 37,448 37,322 37,071 36,534 27,875,266 26,675,598 26,029,181 25,346,466 25,086,742 25,137,383 25,270,181 25,143,579 24,846,465 12
Table 10 - Other Retention Plans Completed Other Retention Plans Completed State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct 2015 Nov 2015 Dec 2015 Alabama 993 910 811 721 671 222 206 243 Alaska 39 24 36 27 36 12 11 13 Arizona 969 917 883 767 696 267 206 223 Arkansas 348 356 309 273 263 98 73 92 California 5,270 5,135 4,445 3,950 3,608 1,236 1,135 1,237 Colorado 725 674 626 520 444 163 134 147 Connecticut 1,077 1,080 910 787 812 310 240 262 Delaware 280 296 268 254 272 84 87 101 District of Columbia 160 144 152 97 76 25 26 25 Florida 6,307 5,479 4,941 4,105 3,745 1,299 1,101 1,345 Georgia 2,613 2,436 2,101 1,949 1,763 618 559 586 Hawaii 178 174 197 159 115 41 29 45 Idaho 208 241 196 168 146 49 52 45 Illinois 3,199 2,884 2,776 2,178 2,205 794 656 755 Indiana 1,438 1,436 1,237 1,042 1,047 373 335 339 Iowa 375 371 338 276 251 87 78 86 Kansas 376 380 352 262 280 93 91 96 Kentucky 681 651 607 516 444 158 135 151 Louisiana 983 1,006 920 740 664 226 200 238 Maine 254 245 253 197 188 58 62 68 Maryland 2,268 2,117 1,977 1,737 1,743 565 570 608 Massachusetts 1,327 1,168 1,182 984 959 341 317 301 Michigan 1,675 1,574 1,344 1,169 1,171 403 372 396 Minnesota 791 709 680 556 473 164 140 169 Mississippi 549 503 520 438 402 144 115 143 Missouri 1,137 1,134 938 817 800 265 251 284 Montana 91 86 90 55 63 29 15 19 Nebraska 229 165 170 152 147 65 41 41 Nevada 533 522 496 432 394 145 113 136 New Hampshire 310 311 229 240 206 80 73 53 New Jersey 2,992 2,814 2,632 2,317 2,035 712 584 739 New Mexico 352 336 325 257 231 87 70 74 New York 4,723 4,528 4,647 3,919 3,560 1,285 1,109 1,166 North Carolina 2,266 2,102 2,042 1,646 1,544 564 487 493 North Dakota 23 31 25 18 21 8 4 9 Ohio 2,344 2,262 2,094 1,836 1,732 634 508 590 Oklahoma 567 559 541 439 395 152 119 124 Oregon 567 500 557 471 410 140 126 144 Pennsylvania 3,189 3,242 2,768 2,496 2,338 874 709 755 Rhode Island 281 287 243 224 195 62 64 69 South Carolina 1,280 1,213 1,156 860 810 290 264 256 South Dakota 55 48 44 31 36 8 11 17 Tennessee 1,324 1,272 1,085 1,002 930 320 298 312 Texas 3,818 3,769 3,368 2,983 2,952 1,011 965 976 Utah 330 367 333 247 254 77 92 85 Vermont 90 92 81 64 59 18 16 25 Virginia 1,813 1,771 1,629 1,388 1,275 433 412 430 Washington 1,096 1,125 974 801 722 253 229 240 West Virginia 304 289 241 189 191 56 66 69 Wisconsin 729 740 688 534 517 190 156 171 Wyoming 65 63 38 46 40 9 13 18 63,591 60,538 55,495 47,324 44,331 15,597 13,725 15,009 13
Table 13 - P and I Reduction Modifications Completed Reduced at Least 10% or Greater (Non-HAMP) Modifications Completed for New P&I Payments Reduced at least 10% or Greater (Non-HAMP) State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct 2015 Nov 2015 Dec 2015 Alabama 510 531 501 459 376 162 103 111 Alaska 20 20 22 20 13 6 4 3 Arizona 576 586 549 493 449 153 141 155 Arkansas 195 231 232 170 191 65 58 68 California 3,233 3,717 3,237 2,822 2,464 907 712 845 Colorado 403 422 388 342 254 100 72 82 Connecticut 632 662 594 505 435 152 135 148 Delaware 152 165 174 155 145 51 47 47 District of Columbia 112 125 116 90 63 22 22 19 Florida 3,455 3,851 3,502 2,770 2,317 831 709 777 Georgia 1,547 1,778 1,592 1,400 1,269 420 415 434 Hawaii 120 121 97 85 74 25 23 26 Idaho 122 135 121 95 85 32 27 26 Illinois 1,781 1,819 1,654 1,605 1,364 485 430 449 Indiana 657 736 682 569 527 188 170 169 Iowa 227 202 183 163 157 60 47 50 Kansas 202 202 212 151 150 53 51 46 Kentucky 309 330 315 280 229 87 63 79 Louisiana 453 530 501 434 388 147 115 126 Maine 137 143 138 139 115 45 31 39 Maryland 1,268 1,411 1,249 1,057 941 330 277 334 Massachusetts 861 864 790 654 613 203 197 213 Michigan 978 932 881 710 648 229 197 222 Minnesota 433 420 419 356 302 93 105 104 Mississippi 246 295 301 230 228 94 64 70 Missouri 610 633 558 508 479 161 131 187 Montana 42 56 50 48 32 16 9 7 Nebraska 120 79 88 81 68 26 18 24 Nevada 353 473 394 337 284 93 85 106 New Hampshire 129 181 141 126 117 45 41 31 New Jersey 1,615 1,871 1,744 1,497 1,251 447 365 439 New Mexico 202 209 203 182 158 57 42 59 New York 2,195 2,533 2,315 2,148 1,757 618 544 595 North Carolina 1,236 1,349 1,279 1,105 1,014 364 321 329 North Dakota 11 7 14 10 14 6 3 5 Ohio 1,086 1,207 1,064 1,033 855 297 264 294 Oklahoma 234 301 274 214 208 73 65 70 Oregon 356 405 354 302 252 96 76 80 Pennsylvania 1,645 1,813 1,584 1,412 1,150 370 361 419 Rhode Island 178 180 168 137 140 55 42 43 South Carolina 624 762 717 580 570 195 183 192 South Dakota 31 22 35 17 21 4 8 9 Tennessee 758 772 658 614 577 202 185 190 Texas 1,718 2,054 2,005 1,865 1,802 609 564 629 Utah 198 287 258 173 143 47 51 45 Vermont 49 53 58 42 33 11 10 12 Virginia 911 1,026 948 910 758 245 234 279 Washington 656 809 613 587 483 164 144 175 West Virginia 106 108 111 101 83 33 21 29 Wisconsin 386 450 435 329 292 91 95 106 Wyoming 21 27 22 16 16 6 6 4 34,099 37,895 34,540 30,117 26,354 9,271 8,083 9,000 14
Table 14 - Short Sales Completed The columns below show the adjusted number of short sales established by state reported by HOPE NOW servicers. Tracking this field began in December 2009. Short Sales Completed Adjusted for all HOPE NOW Servicers State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct 2015 Nov 2015 Dec 2015 Alabama 137 83 82 68 60 23 19 18 Alaska 5 9 6 5 6 3 2 1 Arizona 565 444 525 433 416 152 122 142 Arkansas 52 45 44 35 34 15 10 9 California 2,873 2,293 2,458 2,055 1,866 643 566 657 Colorado 222 197 163 125 112 53 21 38 Connecticut 308 254 264 227 219 78 51 90 Delaware 80 82 60 71 57 17 23 17 District of Columbia 45 48 47 38 36 13 9 14 Florida 3,535 2,597 2,612 2,372 2,027 706 612 709 Georgia 753 590 521 488 439 179 116 144 Hawaii 67 42 50 45 35 15 5 15 Idaho 93 71 66 70 61 15 24 22 Illinois 1,262 880 903 818 794 266 248 280 Indiana 263 171 157 130 131 45 35 51 Iowa 51 38 50 41 27 9 10 8 Kansas 61 52 71 57 30 13 4 13 Kentucky 119 66 70 81 76 31 24 21 Louisiana 101 77 86 65 56 21 17 18 Maine 62 56 44 49 41 16 18 7 Maryland 767 592 647 602 538 194 149 195 Massachusetts 361 263 268 282 257 84 79 94 Michigan 550 389 340 254 226 79 63 84 Minnesota 224 178 196 172 142 59 33 50 Mississippi 53 35 48 45 31 12 8 11 Missouri 265 201 238 212 166 51 48 67 Montana 21 14 12 12 14 8 3 3 Nebraska 30 29 29 20 29 13 8 8 Nevada 769 599 624 540 488 169 148 171 New Hampshire 64 55 69 49 59 18 17 24 New Jersey 1,240 973 1,026 1,021 1,021 326 326 369 New Mexico 76 83 70 66 52 19 21 12 New York 1,133 793 945 807 839 294 247 298 North Carolina 359 290 301 262 232 82 71 79 North Dakota 4 1 2 0 1 - - 1 Ohio 580 338 339 315 262 108 75 79 Oklahoma 79 56 67 47 40 12 11 17 Oregon 272 223 239 197 161 58 49 54 Pennsylvania 526 342 388 348 305 112 100 93 Rhode Island 106 85 102 95 89 29 32 28 South Carolina 195 175 147 154 128 46 42 40 South Dakota 9 5 6 5 5 3-2 Tennessee 229 158 138 137 138 45 41 52 Texas 504 415 443 321 293 104 92 97 Utah 258 195 220 167 131 44 47 40 Vermont 11 5 6 7 5 1 1 3 Virginia 556 465 486 445 445 161 136 148 Washington 705 533 545 504 400 165 100 135 West Virginia 31 19 20 9 16 6 5 5 Wisconsin 149 110 116 122 91 37 24 30 Wyoming 8 5 8 4 5 4 1-20,788 15,719 16,364 14,483 13,132 4,656 3,913 4,563 15
Table 15 - Deen-in-Lieu The columns below show the adjusted number of deed-in-lieu established by state reported by HOPE NOW servicers. Tracking this field began in December 2009. Deed-in-Lieu Adjusted for all HOPE NOW Servicers State Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015 Oct 2015 Nov 2015 Dec 2015 Alabama 53 72 60 47 36 8 11 17 Alaska 2 1 5 6 2 1 1 - Arizona 92 93 99 68 55 18 17 20 Arkansas 35 34 31 34 25 11 6 8 California 176 147 112 108 105 42 25 38 Colorado 30 35 25 21 20 6 7 7 Connecticut 95 52 68 81 62 22 20 20 Delaware 22 18 37 18 26 7 8 11 District of Columbia 10 12 10 9 2 1 1 - Florida 612 486 398 358 271 96 80 95 Georgia 164 159 153 118 119 42 41 36 Hawaii 10 12 8 10 4 2 1 1 Idaho 21 24 15 18 13 6 5 2 Illinois 284 280 237 269 238 83 79 76 Indiana 122 106 92 65 70 21 23 26 Iowa 25 34 15 24 22 6 6 10 Kansas 33 41 28 23 28 14 7 7 Kentucky 32 52 30 36 29 15 9 5 Louisiana 34 28 30 33 26 7 12 7 Maine 32 16 26 17 20 6 3 11 Maryland 177 159 139 131 116 38 37 41 Massachusetts 64 66 52 42 42 19 12 11 Michigan 158 157 126 103 107 41 33 33 Minnesota 54 58 42 43 45 20 12 13 Mississippi 29 38 31 26 24 11 8 5 Missouri 88 93 74 83 66 26 22 18 Montana 6 7 6 4 3 1 1 1 Nebraska 12 15 10 12 10 2 4 4 Nevada 82 46 42 51 43 18 10 15 New Hampshire 19 23 25 21 19 3 7 9 New Jersey 269 250 338 257 231 61 80 90 New Mexico 39 40 40 40 36 16 8 12 New York 180 158 159 117 141 46 45 50 North Carolina 162 174 146 122 122 49 39 34 North Dakota 1 0 2 0 2 1-1 Ohio 204 188 168 176 137 55 45 37 Oklahoma 42 40 31 36 19 8 5 6 Oregon 64 62 47 34 24 6 13 5 Pennsylvania 181 163 187 145 144 49 49 46 Rhode Island 13 16 11 9 10 5 1 4 South Carolina 73 76 71 53 48 22 11 15 South Dakota 7 3 4 0 1 - - 1 Tennessee 77 58 62 62 54 24 17 13 Texas 139 87 97 75 55 18 20 17 Utah 16 31 17 10 8 3 1 4 Vermont 10 5 7 7 4 3 1 - Virginia 130 134 130 80 108 36 33 39 Washington 139 103 76 89 57 17 22 18 West Virginia 9 8 11 17 10 4 5 1 Wisconsin 74 69 66 60 59 22 21 16 Wyoming 3 3 7 0 5 2 2 1 4,405 4,032 3,703 3,260 2,923 1,040 926 957 16