Out of the nation’s metro areas, the New York City region, which includes Long Island, has the most loan modifications under the federal Making Home Affordable program, a new report said.

It’s got 6.1 percent of all the trial and permanent modifications in the nation, according to the February numbers from the U.S. Treasury Department and the U.S. Housing and Urban Development. That breaks down to 52,375 trial modifications and 8,660 permanent ones.

The trial period is supposed to last three months, and if the borrower pays on time, the lender and borrower then must agree on the modifications to make the changes “permanent” -- defined as five years.

Several Long Island housing counselors have said some lenders have been stretching trial periods to six months or more, while local attorneys have complained that some were given unrealistic trial offers after President Barack Obama called in lenders and services last summer to chastise them about lack of progress.

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Of course, the metro area is huge, covering northern New Jersey and parts of Pennsylvania.

But out of the top 15 metro areas in permanent modifications, the New York City region is not No. 1. February numbers show that goes to the region covering Los Angeles, Long Beach and Santa Ana; it has 9,414 permanent loan modifications and was behind New York, with 5.9 percent of the nation’s loan modifications.