Published
November 1, 2025
Updated
July 16, 2026
This settlement resolves claims that PHH used captive reinsurance to collect illegal kickbacks tied to mortgage insurance. If PHH originated or acquired your loan between 2007 and 2009 and you paid for private mortgage insurance, you can claim $875 per loan — final approval is granted and claims are open through August 11, 2026.
What Is the PHH Mortgage Insurance Settlement?
You may be part of this class action settlement if you obtained certain mortgage loans. The case was settled with PHH Corp., PHH Mortgage Corp., PHH Home Loans, and Atrium Insurance Corp. over allegations that captive mortgage reinsurance arrangements produced unlawful kickbacks tied to private mortgage insurance (PMI) on loans PHH originated or acquired between 2007 and 2009, in alleged violation of the Real Estate Settlement Procedures Act (RESPA). Defendants deny wrongdoing. The settlement provides a flat cash payment per eligible loan.The court granted final approval of the settlement on December 19, 2025, and the claim window is open. The case is Munoz, et al. v. PHH Corp., et al., No. 1:08-cv-00759-MMB-BAM, in the U.S. District Court for the Eastern District of California.
Status
Claims Open
Final approval granted December 19, 2025.
Claim Deadline
August 11, 2026
Online by 11:59 p.m. PT, or mailed and postmarked by that date.
Payout
$875 per qualifying loan
From a settlement fund of about $29.5 million.
Proof Required
Yes
Unique ID & PIN from your mailed notice (write “unavailable” on a paper form if you don’t have one).
How Do I Qualify for a Payout?
You may qualify if you obtained a residential mortgage loan originated and/or acquired by PHH and/or its affiliates from January 1, 2007 through December 31, 2009 and, in connection with that loan, purchased private mortgage insurance that was included within PHH's captive mortgage reinsurance agreements. Successors, heirs, and assigns are included.How Much Can I Get Paid?
Approved settlement class members receive an $875 payment per eligible loan, from a settlement fund of approximately $29.5 million. The agreement does not cap individual payments at the loan level; payments are subject to court-approved fees, costs, and administration.How Do I File a Claim?
File online at PHHMISettlement.com or mail a completed paper form to the administrator by the deadline. To file online you log in with the Unique ID and PIN printed on your mailed notice. If you did not receive a notice, or lost your Unique ID and PIN, you may submit a paper claim form and write "unavailable" in the ID field, following the claim-form instructions, or reach the administrator through the official settlement website. Eligibility is verified against administrator and lender records.What Is the Claim Deadline?
The deadline is August 11, 2026 — online submissions by 11:59 p.m. PT, or mailed forms postmarked by that date.When Is the Payment Date?
Payments are typically issued after final approval becomes effective and after claims review is completed. Because the claim window runs through August 2026, distributions are expected after the claims period closes and any appeals are resolved.Is Proof Required to File a Claim?
No purchase receipts are required, but you must provide a Unique ID and PIN, and a completed claim form. Eligibility is verified against administrator and lender records. If you did not receive a Unique ID or PIN, you may be able to submit a paper claim form and write "unavailable," per the claim-form instructions.Case Information
• Caption: Munoz, et al. v. PHH Corp., et al.• Case No.: 1:08-cv-00759-MMB-BAM (E.D. Cal.)
• Final Approval: Granted December 19, 2025
• Settlement Administrator: JND Legal Administration
Official Long-Form Notice
Sources
- Official Settlement Website — PHHMISettlement.com
- Official Long-Form Notice (PDF) — Class Notice
- U.S. District Court, Eastern District of California — Munoz, et al. v. PHH Corp., et al., No. 1:08-cv-00759-MMB-BAM
For more class actions keep scrolling below.
Settlement Amount
~$29.5 million ($875 per qualifying loan)
Case Title
Munoz, et al. v. PHH Corp., et al.
Case Number
1:08-cv-00759-MMB-BAM
Court
U.S. District Court, Eastern District of California
Final Approval
Granted December 19, 2025
Claim Deadline
August 11, 2026
Administrator
JND Legal Administration
Official Website
PHH MI Settlement.com
