PHH Mortgage Kickbacks Class Action Settlement

What is the PHH Mortgage mortgage / respa settlement about?

The PHH Mortgage class action settlement (Munoz, et al. v. PHH Corp., et al.) resolves a lawsuit alleging that PHH Corp. and its affiliates violated the Real Estate Settlement Procedures Act (RESPA) by receiving illegal kickbacks through captive mortgage reinsurance arrangements. The lawsuit alleged that PHH arranged for private mortgage insurers to channel a portion of their premiums back to PHH-affiliated reinsurance entities — effectively inflating the insurance premiums paid by borrowers on residential mortgage loans originated between 2007 and 2009.

PHH denied wrongdoing but agreed to settle after more than a decade of litigation. Final approval was granted December 19, 2025 by the U.S. District Court for the Eastern District of California. A standout feature of this settlement: each verified qualifying loan receives a fixed payment of $875 — this amount does not decrease based on the number of claims filed. Successors, heirs, and assignees of eligible borrowers also qualify.

Who qualifies to file a claim?

• You obtained a residential mortgage loan originated or acquired by PHH Corp. or an affiliated entity between January 1, 2007 and December 31, 2009.
• Your loan included private mortgage insurance that was part of PHH's captive mortgage reinsurance arrangements.
• You are a current or former borrower, or a successor, heir, or assignee of an eligible borrower.

How to file a claim

1. 1Visit the official settlement website at PHHMISettlement.com.
2. 2Complete the online claim form through the 'File a Claim' portal.
3. 3Alternatively, download and print the claim form from the Important Documents section and mail it postmarked by August 11, 2026, to: JND Legal Administration, P.O. Box 91304, Seattle, WA 98111.
4. 4Questions? Call 1-855-779-8982 or email info@PHHMISettlement.com.
5. 5Save your claim confirmation or mailing receipt for your records.

Is the PHH Mortgage settlement legit?

Yes. The PHH Mortgage mortgage / respa settlement is a court-supervised class action overseen by the U.S. District Court for the Eastern District of California (1:08-cv-00759-MMB-BAM) and administered by an official settlement administrator. You file your claim directly with the administrator and keep 100% of any payment — Payout never takes a cut. The fastest way to avoid missing this and other settlements you qualify for is to let Payout match and file for you in minutes.