PHH - Mortgage service kickbacks class action settlement
What is the PHH Corp. settlement about?
This lawsuit alleges that PHH Corp., PHH Mortgage Corp., PHH Home Loans LLC, and Atrium Insurance Corp. engaged in an illegal captive mortgage reinsurance scheme. According to the plaintiffs, PHH violated federal law by accepting kickbacks related to private mortgage insurance purchased by borrowers whose loans were originated or acquired by PHH.
PHH denies any wrongdoing, but the parties agreed to the settlement to avoid further litigation and uncertainty.
How much is the PHH Corp. settlement payout?
If you're eligible and file a claim, you may receive a cash payment of $875 per qualifying loan.
This settlement provides a fixed payment, meaning each eligible loan receives the same amount regardless of how many Class Members submit claims.
Final payout amounts are not reduced by the number of claims; they are fixed per loan.
Am I eligible to file a claim?
You may be eligible if:
- You obtained a residential mortgage loan that was originated and/or acquired by PHH or its affiliates between January 1, 2007 and December 31, 2009,
- And you purchased private mortgage insurance in connection with that loan,
- And that loan was included within PHH’s captive mortgage reinsurance agreements,
- Or you are the successor, heir, or assignee of someone who meets this definition.
Eligible Class Members must file a valid claim to receive their payment.
Is the PHH Corp. settlement legit?
Yes. The PHH Corp. settlement is legitimate, and the official settlement website has been authorized by the Court as the central source for accurate case information.
Consumers can visit the website if they want to file a claim for the $875 payment, learn more about the Munoz v. PHH Corp. Settlement, or contact the settlement administrator for assistance.
This settlement resolves claims in Case No. 1:08-cv-00759-MMB-BAM in the U.S. District Court for the Eastern District of California.
When’s the claim deadline?
You must submit a PHH Corp. settlement claim form online or by mail by:
- August 11, 2026
Other deadlines:
- Exclusion Deadline: November 13, 2025 — Passed
- Objection Deadline: November 13, 2025 — Passed
- Final Approval Hearing: December 17, 2025 at 10:00 a.m. PT
Who qualifies for the PHH Corp. settlement?
The PHH Corp. class action settlement covers:
Anyone who obtained a PHH-originated or PHH-acquired mortgage loan between January 1, 2007 and December 31, 2009, purchased private mortgage insurance as part of that loan, and whose loan was included in PHH’s captive mortgage reinsurance arrangements.
Successors, heirs, and assigns of eligible borrowers are also included.
How do I file a PHH Corp. settlement claim form?
To submit a PHH settlement claim form online, head to the official settlement website and complete the digital form.
If filing online:
- Fill out the claim form through the “File a Claim” portal
- Submit no later than August 11, 2026
If filing by mail:
- Download the Claim Form from the Important Documents section
- Complete all requested fields
- Mail it so it is postmarked by August 11, 2026
If you do nothing, you will not receive the $875 payment and will give up your right to sue PHH over the claims covered in this settlement.
