Unaudited Condensed Consolidated Statements of Operations - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Revenues:
Service related, net	$ 288	$ 432	$ 1,251	$ 1,095
Net gain on mortgage loans held for sale	136	142	320	295
Total revenues	424	574	1,571	1,390
Expenses:
Salaries, wages and benefits	182	166	509	470
General and administrative	153	135	443	370
Total expenses	335	301	952	840
Interest income	227	167	574	369
Interest expense	(199)	(146)	(556)	(378)
Other (expense) income, net	(5)	58	(16)	44
Total other income (expense), net	23	79	2	35
Income before income tax expense	112	352	621	585
Less: Income tax expense	32	77	156	131
Net income	$ 80	$ 275	$ 465	$ 454
Earnings per share
Basic	$ 1.24	$ 4.14	$ 7.21	$ 6.70
Diluted	$ 1.22	$ 4.06	$ 7.06	$ 6.58