ClaimSensorClaimSensor
PHH logo

PHH

Munoz v. PHH Corp. Mortgage Insurance Class Action Settlement

No proofMortgage51 days left

Last reviewed Jun 18, 2026 · details verified against the official settlement notice.

Who qualifies?

People who got a residential mortgage loan originated and/or acquired by PHH or its affiliates from January 1, 2007 through December 31, 2009 and, in connection with that loan, bought private mortgage insurance included in PHH's captive reinsurance agreements. Successors, heirs, and assigns included.

  • Got a residential mortgage originated/acquired by PHH or affiliates, Jan 1 2007 – Dec 31 2009
  • Bought private mortgage insurance included in PHH's captive reinsurance agreements on that loan
  • Provide the Unique ID and PIN (or note it's unavailable on a paper claim) — no purchase receipts needed

What is this settlement about?

A settlement resolves Munoz et al. v. PHH Corp. (Eastern District of California) against 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. The defendants deny wrongdoing. The settlement provides a flat $875 cash payment per eligible loan to approved claimants.

Who's excluded: Subject to the exclusions in the official notice and settlement agreement. The benefit applies per eligible loan. Opt-out/objection deadline (Nov 13, 2025) has passed.

How much can you get?

  • $875 per eligible loan

    Approved class members receive a flat $875 payment for each qualifying loan. No purchase receipts are required, but you must provide the Unique ID and PIN provided to you (or write 'unavailable' on a paper form if you didn't receive one). Eligibility is verified against administrator and lender records.

How to file your claim

  1. 1Open the official claim form at PHHMISettlement.com (or mail a paper form).
  2. 2Provide your Unique ID and PIN and the requested loan/contact information (or write 'unavailable' for the ID on a paper form).
  3. 3Submit online by 11:59 p.m. PT or postmark by August 11, 2026.

Important dates

  1. Opt-out / objection deadlineNovember 13, 2025 (passed)
  2. Final approval hearingDecember 17, 2025
  3. Claim deadlineAugust 11, 2026

When will payments be made?

Payments are issued after final approval becomes effective and claims review is completed. With a 2026 claim deadline, distributions are expected after the claims period closes and any appeals are resolved.

Frequently asked questions

How much is the PHH settlement payment?+

A flat $875 per eligible loan for approved claimants. The settlement does not disclose an aggregate cap; payments are subject to court-approved fees, costs, and administration.

Who qualifies?+

People who got a residential mortgage loan originated or acquired by PHH or its affiliates from Jan 1, 2007 through Dec 31, 2009 and bought private mortgage insurance that was part of PHH's captive reinsurance agreements.

Do I need proof?+

No purchase receipts are required, but you need the Unique ID and PIN provided to you. If you didn't receive one but believe you qualify, contact the administrator or submit a paper form marking the ID 'unavailable.'

Is the PHH settlement legit?+

Yes. This is a real, court-authorized class action settlement (Munoz, et al. v. PHH Corp., et al.), administered by JND Legal Administration. ClaimSensor links only to the official settlement website and verifies every listing against the official administrator — we never collect your claim or charge a fee.

Official sources

ClaimSensor is not a law firm and does not provide legal advice or represent claimants. We are not affiliated with the settlement administrator unless explicitly stated. Eligibility and payment amounts are not guaranteed. All claims are processed and paid by the official settlement administrator. Submit truthful information — claims are filed under penalty of perjury.