Unaudited Condensed Consolidated Statements of Operations - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Revenues:
Service related, net	$ 440	$ 478
Net gain on mortgage loans held for sale	120	86
Total revenues	560	564
Expenses:
Salaries, wages and benefits	193	159
General and administrative	237	158
Total expenses	430	317
Interest income	189	158
Interest expense	(213)	(170)
Other expense, net	(11)	(3)
Total other expense, net	(35)	(15)
Income before income tax expense	95	232
Less: Income tax expense	7	51
Net income	$ 88	$ 181
Earnings per share
Basic	$ 1.38	$ 2.80
Diluted	$ 1.35	$ 2.73