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She said mortgage servicers had offered to modify more than 100,000 loans since the department announced the program.
The recent federal tax rebates and efforts to modify more loans have also helped somewhat, analysts say.
In authorizing the Treasury to buy $700 billion in mortgages and related securities last month, Congress instructed the Bush administration, as an investor, to modify more loans.
On Thursday, the Obama administration declared that the $75 billion program is finally providing broad relief after it pressured mortgage companies to move faster to modify more loans.
While still in its very early stages, the state investigation seems to have the ultimate goal of making the banks modify more loans instead of foreclosing.
The declarations were part of a campaign by New York Communities for Change to force the bank to modify more mortgages.
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She said she participated in modifying more than 500 files to conceal problems.
But is even this modified, more realistic vision of democracy in action still relevant?
And their genes can be modified more easily than those of mice.
"We have got to minimize the losses," he said, noting an intense focus on improving debt collection and modifying more loans.
By 2015 humans had modified more than 50% of Earth's ice-free land area, having turned much of it into farmland, pastureland, or urban land.
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