Servicer Scorecard allows homeowners to check data on mortgage servicer participation in Keep Your Home California

Which mortgage servicer approves the largest percentage of applications to Keep Your Home California?

How many days does it take for a response to an application from a specific servicer? Who refers the most homeowners to the free mortgage-assistance program?

Answers to these questions, and several more, are part of the Servicer Scorecards, a just-released tool for homeowners at

The data allows homeowners to determine how much their mortgage servicer participates in the $2 billion program.



Keep Your Home California – designed for financially strapped homeowners needing help with their mortgage – will rate the 140-plus mortgage servicers enrolled in the program on a monthly basis.  From the big-name banks such as Bank of America and Wells Fargo to the smaller credit unions, as long as a servicer completed at least one transaction during the month, they will be included on the scorecard.

 Each servicer participating in at least one of the four programs is assessed on numerous categories, including the percentage of applications approved (and declined), how many days it takes to respond to applications and the total funding issued per program.   

The scorecards will also indicate how homeowners are hearing about Keep Your Home California, and if servicers are referring borrowers to the program. (Servicer referrals are one of the most effective ways homeowners hear about Keep Your Home California.)

The top 15 servicers with the most transactions – including Bank of America, Chase, US Bank and Wells Fargo – will have more detailed information in easy-to-view graphics.  This visual comparison gives homeowners a quick and effective way to see how the most active servicers are participating in Keep Your Home California.

For example, Wells Fargo funded 1,752 transactions in July, the most among all servicers. Bank of America issued $7.87 million funding during that month, about $2 million more than second-place Wells Fargo.

Bank of America and Wells Fargo accounted for more than 40% of the funding issued through the program in July.

Wells Fargo also had the largest number of referrals to the program– based on mailers, events or representatives – at 641, while Chase finished second with 444.

So, check out the Servicer Scorecards and see how your mortgage servicer is participating in the program.

Keep Your Home California has helped more than 29,000 homeowners since February 2011. Homeowners must meet county-by-county income requirements and their mortgage servicer must participate in at least one of the four programs. Homeowners must also face a financial hardship, such as a job loss, cut in pay, a divorce or extraordinary medical bills in order to qualify.

If you have additional questions or would like to apply for the program, call 888-954-5337 or visit (Spanish speakers should visit The counseling center is open 7 a.m. to 7 p.m. weekdays and 9 a.m. to 3 p.m. Saturdays.