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CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Millions
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 827 $ 535
Reconciliation of net income to net cash provided by operating activities:    
Depreciation and amortization 540 497
Amortization of other assets 152 140
Net non-cash mortgage servicing rights and premiums on loan sales (126) (111)
Deferred income taxes (69) (110)
Stock-based compensation expense 110 112
Equity (income) loss from investments (50) 77
Other non-cash adjustments (12) (2)
Changes in:    
Sale of mortgage loans 9,984 7,479
Origination of mortgage loans (11,041) (8,212)
Warehouse lines of credit 1,072 756
Receivables, prepaid expenses and other assets (419) (200)
Accounts payable, accrued liabilities and other liabilities 5 89
Accrued compensation expenses (431) (525)
Income taxes, net (204) (157)
Net cash provided by operating activities 338 368
CASH FLOWS FROM INVESTING ACTIVITIES:    
Capital expenditures (222) (214)
Payments for business acquired, net of cash acquired (331) (1,052)
Capital contributions related to investments (93) (110)
Acquisition and development of real estate assets (240) (212)
Other investing activities, net 222 94
Net cash used in investing activities (664) (1,494)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Proceeds from revolving credit facility 0 3,213
Repayment of revolving credit facility (132) (2,530)
Proceeds from commercial paper, net 910 0
Proceeds from long-term debt 1,668 495
Repayment of long-term debt (651) 0
Repurchase of common stock (680) (110)
Other financing activities, net (283) (141)
Net cash provided by financing activities 832 927
Effect of currency exchange rate changes on cash and cash equivalents and restricted cash 82 (15)
NET CHANGE IN CASH, CASH EQUIVALENTS AND RESTRICTED CASH 588 (214)
CASH, CASH EQUIVALENTS AND RESTRICTED CASH, AT BEGINNING OF PERIOD 1,221 1,371
CASH, CASH EQUIVALENTS AND RESTRICTED CASH, AT END OF PERIOD 1,809 1,157
Cash paid during the period for:    
Interest 326 307
Income tax payments, net 457 351
Non-cash investing and financing activities:    
Deferred and/or contingent consideration $ 37 $ 15