PHH Mortgage Kickback Settlement

Fees & Overcharges settlement· United States · Closing this month

Defendant
PHH Corp.; PHH Mortgage Corp.; PHH Home Loans, LLC; Atrium Insurance Corp.
Total fund
Not disclosed
Claim deadline
August 11, 2026
Proof required
No proof needed
Country
United States
Official site
phhmisettlement.com
Time left to file
8 days
Claims due August 11, 2026. Most deadlines are 11:59 p.m. on the stated date; check the official site for the controlling time zone.

File a claim at the official settlement website

Links to phhmisettlement.com, the official settlement website. JoinCase is not the administrator, never handles claims, and never collects your personal information.

What this settlement is about

The Munoz v. PHH Corp. litigation accused PHH of routing borrowers' private mortgage insurance premiums through its captive reinsurer, Atrium, in what plaintiffs characterized as a kickback scheme on 2007-2009 home loans. The settlement pays a flat $875 for each eligible loan to borrowers, or their heirs, who submit a valid claim form online or by mail. No supporting financial documentation is demanded beyond the completed form. The court granted final approval on December 19, 2025, and the claim window stays open until August 11, 2026.

Who is eligible

Borrowers who took out a residential mortgage from PHH or its affiliates between January 1, 2007 and December 31, 2009 and paid for private mortgage insurance that was funneled into PHH's captive reinsurance arrangements. Heirs and successors of those borrowers can also claim.

File honestly. No proof is required to submit this claim, but the form is signed under penalty of perjury. Only file if you actually meet the eligibility rules above. Administrators audit and reject fraudulent claims, and mass bogus filings shrink payouts for real class members. More in our guide tono-proof settlements.

Estimated payout

$875 per eligible loan.

No payment amount is ever guaranteed. Pro rata payouts shrink as more valid claims come in, and every payment waits on final court approval and any appeals.

Proof requirements

No documentation is required. You submit the claim form and attest to your eligibility; the administrator validates claims against available records.

Key dates

Claim deadlineAugust 11, 2026
Exclusion (opt-out) deadlineNovember 13, 2025
Final approval hearingDecember 17, 2025

Sources

Last verified August 3, 2026 against the official settlement administrator site.JoinCase is an information service, not a law firm, and is not affiliated with this settlement, its administrator, the court, or any party. Deadlines can change; the official administrator site controls. Nothing here is legal advice, and no payment is guaranteed.