The nonprofit California Reinvestment Coalition conducts an annual survey of counselors certified by the U.S. Department of Housing and Urban Development who help consumers with loan modifications. In 2010, the counselors rated OneWest the worst offender in California for failing to offer workarounds in the state. Two years later, the annual survey found that 95 percent of housing counselors rated OneWest as “terrible” or “bad,” with only HSBC Bank receiving lower marks among the 16 banks covered by the survey.