Consolidated Statements of Operations - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest Income
Loans	$ 191	$ 186	$ 357	$ 382
Investment securities	17	12	28	23
Interest-earning deposits and other	1	0	1	0
Total interest income	209	198	386	405
Interest Expense
Deposits	7	8	13	18
Short-term Federal Home Loan Bank advances and other	3	1	3	2
Long-term Federal Home Loan Bank advances	3	3	6	6
Other long-term debt	3	3	6	8
Total interest expense	16	15	28	34
Net interest income	193	183	358	371
Benefit for credit losses	(9)	(44)	(13)	(72)
Net interest income after benefit for credit losses	202	227	371	443
Noninterest Income
Net gain on loan sales	27	168	72	395
Loan fees and charges	29	37	56	79
Net return (loss) on mortgage servicing rights	22	(5)	51	(5)
Loan administration income	33	28	66	54
Deposit fees and charges	9	8	18	17
Other noninterest income	11	16	28	36
Total noninterest income	131	252	291	576
Noninterest Expense
Compensation and benefits	122	122	249	266
Occupancy and equipment	46	50	91	95
Commissions	22	51	48	112
Loan processing expense	23	22	44	43
Legal and professional expense	10	11	21	20
Federal insurance premiums	4	4	8	10
Intangible asset amortization	3	3	5	5
General, administrative and other	26	26	51	85
Total noninterest expense	256	289	517	636
Income before income taxes	77	190	145	383
Provision for income taxes	17	43	32	87
Net income	$ 60	$ 147	$ 113	$ 296
Net income per share
Basic (in dollars per share)	$ 1.13	$ 2.78	$ 2.12	$ 5.61
Diluted (in dollars per share)	1.12	2.74	2.11	5.54
Cash dividends declared (in dollars per share)	$ 0.06	$ 0.06	$ 0.12	$ 0.12
Weighted average shares outstanding
Basic (in shares)	53,269,631	52,763,868	53,244,886	52,719,959
Diluted (in shares)	53,535,448	53,536,669	53,556,607	53,417,896