Homeowners who dealt with a single person at their mortgage servicer were twice as likely to get a loan modification and half as likely to be denied one, according to a Fannie Mae study.

The study, due out Tuesday, suggests that assigning a distressed borrower's case to a team of employees can be measurably less effective than giving it to one person. The Consumer Financial Protection Bureau's servicing rules, which took effect in January, give servicers discretion to assign either an individual or a team to a delinquent borrower. The 2012 national mortgage settlement required the large banks to give borrowers a single point of contact.

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