PHH Mortgage Insurance Kickbacks Class Action Settlement

PHH Mortgage has agreed to settle a class action alleging illegal kickbacks from private mortgage insurance companies in exchange for steering borrowers to those insurers through a captive reinsurance arrangement. If you obtained a mortgage loan serviced by PHH and were required to purchase PMI through this arrangement, you may be entitled to cash compensation.

Do I Qualify?

You may be eligible if:

• Homeowners who obtained a mortgage loan serviced by PHH Mortgage
• You were required to purchase private mortgage insurance through PHH's captive reinsurance arrangement
• You provide mortgage loan documentation
• You submit a valid claim before August 11, 2026

Mortgage loan documentation is required. You must provide documentation of your PHH mortgage and private mortgage insurance premiums paid.

What Happened?

PHH Mortgage, one of the largest non-bank mortgage servicers in the United States, was sued for allegedly receiving illegal kickbacks from private mortgage insurance companies in exchange for steering borrowers to those insurers. The practice — known as captive reinsurance — involved PHH's affiliated reinsurance company receiving premium payments from mortgage insurers in exchange for referrals, which the lawsuit alleged violated the Real Estate Settlement Procedures Act (RESPA).

RESPA prohibits mortgage lenders and servicers from receiving kickbacks or unearned fees in connection with mortgage transactions. Homeowners who were required to purchase private mortgage insurance through PHH's arrangement allegedly paid inflated premiums as a result.

How Much Will I Actually Get?

Payment amounts depend on the mortgage loan amount and the private mortgage insurance premiums paid. Mortgage loan documentation is required. Deadline is August 11, 2026.

Last reviewed: June 19, 2026 | Information verified from court records and official settlement documents.

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