Unaudited Condensed Consolidated Statements of Operations - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Revenues:
Service related, net	$ 432	$ 395	$ 1,095	$ 1,610
Net gain on mortgage loans held for sale	142	115	295	551
Total revenues	574	510	1,390	2,161
Expenses:
Salaries, wages and benefits	166	183	470	614
General and administrative	135	133	370	368
Total expenses	301	316	840	982
Interest income	167	83	369	169
Interest expense	(146)	(104)	(378)	(321)
Other income (expense), net	58	(20)	44	197
Total other income (expense), net	79	(41)	35	45
Income before income tax expense	352	153	585	1,224
Less: Income tax expense	77	40	131	302
Net income	$ 275	$ 113	$ 454	$ 922
Earnings per share
Basic	$ 4.14	$ 1.59	$ 6.70	$ 12.71
Diluted	$ 4.06	$ 1.55	$ 6.58	$ 12.37