“The programs then going forward will provide for similar relief, but I think we have offered principal reduction to all our borrowers — all the people we own, the asset that we can actually offer to that’s been done,” said Bank of America CEO Brian Moynihan in an interview last week.

Another report Friday from Lender Processing Services showed a monthly increase in the U.S. loan delinquency rate in November. As it stands now, 7.12 percent of loans are 30-plus days past due, but not yet in foreclosure, and 3.51 percent are in the foreclosure process. Add it up and 5.35 million loans are still in some kind of trouble, according to LPS, as big banks finish their obligations under the settlement.

—By CNBC’s Diana Olick; Follow her on Twitter @Diana_Olick or on Facebook at facebook.com/DianaOlickCNBC

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Article source: http://www.cnbc.com/id/100335126