Unaudited Condensed Consolidated Statements of Operations - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Revenues:
Service related, net	$ 485	$ 402	$ 963	$ 663
Net gain on mortgage loans held for sale	98	84	184	153
Total revenues	583	486	1,147	816
Expenses:
Salaries, wages and benefits	168	156	327	304
General and administrative	132	122	290	235
Total expenses	300	278	617	539
Interest income	189	117	347	202
Interest expense	(187)	(122)	(357)	(232)
Other expense, net	(8)	(5)	(11)	(14)
Total other expense, net	(6)	(10)	(21)	(44)
Income before income tax expense	277	198	509	233
Less: Income tax expense	73	56	124	54
Net income	$ 204	$ 142	$ 385	$ 179
Earnings per share
Basic	$ 3.16	$ 2.10	$ 5.96	$ 2.62
Diluted	$ 3.10	$ 2.07	$ 5.83	$ 2.57