PHH Mortgage Corporation: 2025 mortgage rates, costs & approvals
How PHH Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: PHH Mortgage Corporation · LEI PAOOWF3GUFM46FBSP561
In 2025, PHH Mortgage Corporation originated 5,590 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 50 states — 113th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,630, about the same as the national median ($5,570).
It denied 9.7% of completed home-purchase applications (all lenders: 8.5%).
How PHH Mortgage Corporation priced home-purchase loans
| Purchase loans, 2025 | PHH Mortgage Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.10 pts | +0.13 pts |
| Total loan costs · conventional | $5,630 | $5,570 |
| Total loan costs · FHA | $12,110 | $11,310 |
| Total loan costs · VA | $8,150 | $6,490 |
| Origination charges (all types) | $2,090 | $1,860 |
| Borrowers paying discount points | 53.3% | 51.3% |
| Points paid, when paid (% of loan) | 0.69% | 0.87% |
| Borrowers receiving lender credits | 35.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why PHH Mortgage Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where PHH Mortgage Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 528 | 632 | 12.9% | 6.375% | $6,630 |
| California | 380 | 488 | 19.4% | — | — |
| Florida | 336 | 430 | 17.2% | 6.625% | $6,370 |
| Virginia | 300 | 343 | 4.7% | 6.625% | $5,050 |
| Georgia | 243 | 289 | 10.0% | — | — |
| Alabama | 227 | 247 | 2.6% | 6.490% | $3,990 |
| Illinois | 200 | 250 | 7.0% | 6.750% | $6,550 |
| North Carolina | 192 | 223 | — | — | — |
| Tennessee | 185 | 213 | — | — | — |
| New Jersey | 183 | 225 | — | — | — |
| Arizona | 178 | 212 | — | — | — |
| Ohio | 175 | 207 | 8.3% | — | — |
| Michigan | 171 | 199 | 20.8% | — | — |
| Colorado | 170 | 194 | — | — | — |
| Maryland | 155 | 179 | 8.7% | — | — |
| Indiana | 151 | 183 | — | — | — |
| Pennsylvania | 148 | 191 | 6.3% | — | — |
| Missouri | 141 | 176 | — | — | — |
| Massachusetts | 135 | 155 | — | — | — |
| Washington | 130 | 150 | 10.0% | — | — |
| South Carolina | 118 | 139 | — | — | — |
| New York | 103 | 145 | — | — | — |
| Nevada | 101 | 112 | — | — | — |
| Utah | 88 | 96 | — | — | — |
| Wisconsin | 83 | 98 | — | — | — |
| Oregon | 82 | 94 | — | — | — |
| Arkansas | 76 | 88 | 9.7% | — | — |
| Kentucky | 69 | 82 | — | — | — |
| Connecticut | 62 | 78 | — | — | — |
| Oklahoma | 53 | 66 | — | — | — |
| Minnesota | 53 | 65 | — | — | — |
| Louisiana | 43 | 55 | — | — | — |
| New Mexico | 39 | 44 | — | — | — |
| Kansas | 36 | 45 | — | — | — |
| New Hampshire | 29 | 38 | — | — | — |
| Delaware | 26 | 31 | — | — | — |
| Mississippi | 24 | 31 | — | — | — |
| West Virginia | 24 | 26 | — | — | — |
| Maine | 23 | 30 | — | — | — |
| Nebraska | 20 | 24 | — | — | — |
| Rhode Island | 19 | 24 | — | — | — |
| Iowa | 18 | 22 | — | — | — |
| Montana | 16 | 18 | — | — | — |
| South Dakota | 13 | 16 | — | — | — |
| Idaho | 12 | 16 | — | — | — |
| Wyoming | 12 | 13 | — | — | — |
| North Dakota | 7 | 9 | — | — | — |
| District of Columbia | 6 | 6 | — | — | — |
| Vermont | 5 | 5 | — | — | — |
| Alaska | 2 | 3 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open PHH Mortgage Corporation's page for that state.
Counties where PHH Mortgage Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Daniels County, MT | 4 | 1 | 12.5% |
| Collingsworth County, TX | 8 | 1 | 9.1% |
| Niobrara County, WY | 11 | 1 | 5.9% |
| Tallapoosa County, AL | 4 | 20 | 4.4% |
| Kimble County, TX | 16 | 1 | 4.2% |
| Baylor County, TX | 20 | 1 | 3.6% |
| Shannon County, MO | 10 | 2 | 3.5% |
| Garfield County, WA | 25 | 1 | 3.0% |
| Hancock County, KY | 11 | 3 | 3.0% |
| Yuma County, CO | 9 | 2 | 2.9% |
| Hanson County, SD | 21 | 1 | 2.9% |
| Haskell County, OK | 12 | 2 | 2.6% |
| Hockley County, TX | 12 | 5 | 2.5% |
| Bacon County, GA | 19 | 1 | 2.5% |
| Tallahatchie County, MS | 25 | 1 | 2.5% |
Check PHH Mortgage Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI PAOOWF3GUFM46FBSP561.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from PHH Mortgage Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology