According to the San Francisco Chronicle, three big lenders have fulfilled their requirements to provide mortgage relief in California as part of a side agreement under the National Mortgage Settlement reached in February 2012.

Bank of America (BAC), Wells Fargo (WFC) and JPMorgan Chase (JPM) were obligated to provide a total of $12 billion in mortgage relief in the state.

According to UC Irvine Professor Katherine Porter, who is monitoring the side agreement, the three banks combined have provided $18.4 billion in relief, exceeding their obligation to borrowers in the state. The numbers were provided by the banks and have not been independently verified.