among among other big lenders, gmac has modified 20%, citimortgage 15%, wells fargo 6% and bank of america 4%. just 235,000 loans have been modified out of the almost 3 million eligible for the program. treasury undersecretary michael barr says the industry needs to do more. >> we're disappointed in the performance of some of the servicers, we think they could have ramped up better, faster, more consistently. >> reporter: the industry says the home affordable modification program is just one way to modify loans. another way, the industry's hope now program, which has modified an additional 300,000 loans since june. paul leonard of the housing policy council says some of the banks on the treasury's list haven't been enrolled in the program long enough to make a difference. >> what's not reflected in the treasury's initial announcement is when the company actually signed up for the program, so i think in the fall we'll have a better sense for the companies that have really kicked it into gear. >> reporter: the administration wants the industry to modify half a million loans under the program

lenders i know, naca has relationships or partnerships with lenders, bank of america, citigroup, citimortgages fargo. they have a partnership as well. those are the one withes i know. you really have to ask and find out, who will they work with and ask naca that question first of all. >> how many would you say -- i know it's tough to guess out there with all these folks -- what's the percentage of folks for the most part who were out here, we're talking about 10,000 here in atlanta, how many of those folks actually were eligible for help? >> what i've been seeing is one out of three that have been able to get some help. some people had stories of, hey, they couldn't help me. but some people are saving $500 a month. somebody called and said they got a 2% interest rate. some people had forbairns, no mortgage payment for six months. they have options that will help some, but not for everybody. some people won't get help. >> you can save yourself a lot of grief and time in line if you just do your homework ahead of time. >> that's it. >> before you go and then find out whether or not they can hel