Unaudited Condensed Consolidated Statements of Cash Flows - USD ($) $ in Millions		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023
Operating Activities
Net income		$ 465	$ 454
Adjustments to reconcile net income to net cash attributable to operating activities:
Deferred tax expense		156	108
Net gain on mortgage loans held for sale		(320)	(295)
Provision for servicing and non-servicing reserves		19	26
Fair value changes in mortgage servicing rights		694	140
Fair value changes in MSR related liabilities		26	(2)
Depreciation and amortization for property and equipment and intangible assets		25	28
Adjustment/Recognition of bargain purchase gain		4	96
(Gain) loss on MSR hedging activities		(64)	244
Gain on MSR and excess yield sales		(10)	(29)
Other operating activities		70	88
Repurchases of loan assets out of Ginnie Mae securitizations		(1,171)	(984)
Mortgage loans originated and purchased for sale, net of fees		(13,664)	(10,104)
Repurchases of loan assets out of Ginnie Mae securitizations		13,862	11,187
Changes in assets and liabilities:
Advances and other receivables		4	291
Other assets		178	(137)
Payables and other liabilities		(195)	(147)
Net cash attributable to operating activities		79	772
Investing Activities
Acquisition of assets		0	34
Acquisitions of business, net of cash acquired		0	(522)
Property and equipment additions, net of disposals		(27)	(16)
Purchase of mortgage servicing rights		(1,767)	(1,073)
Proceeds on sale of mortgage servicing rights and excess yield		317	560
Other investing activities		(20)	(3)
Net cash attributable to investing activities		(1,497)	(1,088)
Financing Activities
Increase in advance, warehouse and MSR facilities		84	617
Settlements and repayment of excess spread financing		(49)	(59)
Proceeds from Issuance of Unsecured Debt		1,750	0
Repurchase of common stock		(109)	(204)
Other financing activities		(79)	(36)
Net cash attributable to financing activities		1,597	318
Net increase in cash, cash equivalents, and restricted cash		179	2
Cash, cash equivalents, and restricted cash - beginning of period		740	702
Cash, cash equivalents, and restricted cash - end of period(1)	[1]	919	704
Supplemental Disclosures of Non-cash Investing Activities
Purchase of mortgage servicing rights holdback payable		10	40
Sale of mortgage servicing rights holdback receivable		$ 5	$ 27

[1] The following table provides a reconciliation of cash, cash equivalents and restricted cash to amounts reported within the condensed consolidated balance sheets. September 30, 2024September 30, 2023Cash and cash equivalents$733 $553 Restricted cash186 151 Total cash, cash equivalents, and restricted cash$919 $704