Unaudited Condensed Consolidated Statements of Operations - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Revenues:
Service related, net	$ 478	$ 261
Net gain on mortgage loans held for sale	86	69
Total revenues	564	330
Expenses:
Salaries, wages and benefits	159	148
General and administrative	158	113
Total expenses	317	261
Interest income	158	85
Interest expense	(170)	(110)
Other expense, net	(3)	(9)
Total other income (expense), net	(15)	(34)
Income before income tax expense (benefit)	232	35
Less: Income tax expense (benefit)	51	(2)
Net income	$ 181	$ 37
Earnings per share
Basic	$ 2.80	$ 0.54
Diluted	$ 2.73	$ 0.52