PHH Mortgage Insurance Kickbacks Class Action Settlement
By Steve Levine
Published: November 1, 2025
Claim Form Deadline: August 11, 2026
Payout: $875.00
Proof required: Yes
What is the PHH Mortgage Class Action Settlement?
You may be part of a new class action settlement if you obtanied certain mortgage loans. The class action lawsuit was settled with PHH Corp., PHH Mortgage Corp., PHH Home Loans, and Atrium Insurance over allegations that captive mortgage reinsurance arrangements resulted in unlawful kickbacks tied to private mortgage insurance on loans originated or acquired between 2007 and 2009. Defendants deny wrongdoing. The settlement provides a flat cash payment per eligible loan.What is the Total Settlement Amount?
The settlement says it will pay $875 per qualifying loan to approved claimants. The agreement does not disclose an aggregate cap. Payments are subject to Court-approved fees, costs, and administration.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 a $875 payment per eligible loan.How Do I File a Claim?
File online at PHHMISettlement.com or mail a completed paper form to the administrator by the deadline. You will need to provide a unique ID or pin code provided to you beforehand. If you do not have one, contact the class action administrator directly if you believe you qualify for a settlement payout.What is the Claim Form Deadline?
The final deadline is August 11, 2026 for online submission by 11:59 p.m. PT or postmark if mailed.What are the Important Dates?
Exclude yourself or object by: November 13, 2025
Final Approval Hearing: December 17, 2025
Claim Deadline: August 11, 2026
When is the Class Action Settlement Payment Date?
Payments are typically issued after final approval becomes effective and after claims review is completed. Since the claim deadline is in 2026, distributions are expected after the claims period closes and any appeals are resolved.Is Proof Required to File a Claim?
No purchase receipts required but you must provide a Unique ID and PIN. A completed claim form is required. Eligibility will be verified against administrator and lender records. Provide any basic loan and contact information requested. If you did not recieve a Unique ID or PIN you may be able to submit a paper claim form and write “unavailable” according to the class action claim form instructions.Who Is Included?
All people who meet the class definition above, subject to any exclusions in the official notice and class action Settlement Agreement.Case Information
Caption: Munoz, et al. v. PHH Corp., et al.
Case No.: 1:08-cv-00759-MMB-BAM (E.D. Cal.)
Settlement Administrator: JND Legal Administration
How Do I Find Class Action Settlements?
Find all the latest class actions you can qualify for by getting notified of new lawsuits as soon as they are open to claims:Official Long-Form Notice (PDF)
Claim Form Website: PHHMISettlement.com
Submit Claim
Sources
• Official Settlement Website• FAQ
Filing Class Action Settlement Claims
Please note that your claim form will be rejected if you submit a settlement claim with any fraudulent information. By providing this information and your sworn statement of its veracity, you agree to do so under the penalty of perjury. If you are not sure whether you qualify, visit the class action administrator's website. OpenClassActions.com is a consumer advocacy and class action news site, and is not a class action administrator or a law firm.
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Submit Claim| PHH Mortgage Insurance Settlement Summary | |
| Status | Proposed Settlement |
|---|---|
| Claim Deadline | August 11, 2026 |
| Exclude/Object By | November 13, 2025 |
| Final Approval Hearing | December 17, 2025 at 10:00 a.m. PT |
| Benefits | $875 per qualifying loan for approved claims; payments issued after final approval and claims review |
| Website | Settlement Site |
| Claims Administrator | JND Legal Administration |