I like McCoy the most out of the three left, with Philbin being second, and leaving the position vacant as my third choice.
That being said, I find it hard to believe McCoy turned down the Raiders interview for the sole purpose that he expects to get this job. Thats just stupid. Nobody turns down an interview because they expect they will get another, unless they are absolutely certain of it. Either there is already an agreement behind the scenes between these two (although I don't know what the point of that would be) or he had some concerns about the Raiders organization