Unaudited Condensed Consolidated Statements of Operations - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024	Jun. 30, 2025	Jun. 30, 2024
Revenues:
Service related, net	$ 472	$ 485	$ 912	$ 963
Net gain on mortgage loans held for sale	136	98	256	184
Total revenues	608	583	1,168	1,147
Expenses:
Salaries, wages and benefits	191	168	384	327
General and administrative	139	132	376	290
Total expenses	330	300	760	617
Interest income	217	189	406	347
Interest expense	(217)	(187)	(430)	(357)
Other expense, net	(1)	(8)	(12)	(11)
Total other expense, net	(1)	(6)	(36)	(21)
Income before income tax expense	277	277	372	509
Less: Income tax expense	79	73	86	124
Net income	$ 198	$ 204	$ 286	$ 385
Earnings per share
Basic	$ 3.09	$ 3.16	$ 4.48	$ 5.96
Diluted	$ 3.04	$ 3.10	$ 4.40	$ 5.83