Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks		$ 35,670	$ 5,197
Interest-bearing deposits in banks		651,456	519,766
Total cash and cash equivalents		687,126	524,963
Restricted cash	[1]	76,460	103,522
Securities available for sale at fair value ($256,170 and $159,164 at amortized cost, respectively)		263,530	142,226
Loans held for sale (includes $142,370 and $121,902 at fair value, respectively)	[1]	391,248	121,902
Loans and leases held for investment		2,899,126	0
Allowance for loan and lease losses		(144,389)	0
Loans and leases held for investment, net		2,754,737	0
Retail and certificate loans held for investment at fair value	[1]	229,719	636,686
Other loans held for investment at fair value	[1]	21,240	49,954
Property, equipment and software, net		97,996	96,641
Goodwill		75,717	0
Other assets	[1]	302,546	187,399
Total assets		4,900,319	1,863,293
Deposits:
Interest-bearing		2,919,203	0
Noninterest-bearing		216,585	0
Total deposits		3,135,788	0
Short-term borrowings		27,780	104,989
Advances from Paycheck Protection Program Liquidity Facility (PPPLF)		271,933	0
Retail notes, certificates and secured borrowings at fair value	[1]	229,719	636,774
Payable on Structured Program borrowings	[1]	65,451	152,808
Other long-term debt		15,455	0
Other liabilities	[1]	303,951	244,551
Total liabilities		4,050,077	1,139,122
Equity
Series A Preferred stock, $0.01 par value; 1,200,000 shares authorized; 0 and 43,000 shares issued and outstanding, respectively		0	0
Common stock, $0.01 par value; 180,000,000 shares authorized; 101,043,924 and 88,149,510 shares issued and outstanding, respectively		1,010	881
Additional paid-in capital		1,609,820	1,508,020
Accumulated deficit		(767,634)	(786,214)
Accumulated other comprehensive income		7,046	1,484
Total equity		850,242	724,171
Total liabilities and equity		$ 4,900,319	$ 1,863,293

[1] Includes amounts in variable interest entities (VIEs) presented separately in the table below. The following table presents the assets and liabilities of consolidated VIEs, which are included on the Consolidated Balance Sheets (Balance Sheet) above. The assets in the table below may only be used to settle obligations of consolidated VIEs and are in excess of those obligations. Additionally, the assets and liabilities in the table below include third-party assets and liabilities of consolidated VIEs only and exclude intercompany balances that eliminate in consolidation. December 31,20212020Assets of consolidated VIEs, included in total assets aboveRestricted cash $13,462 $15,983 Loans held for sale at fair value41,734 98,190  Retail and certificate loans held for investment at fair value 10,281 52,620 Other loans held for investment at fair value20,929 50,102 Other assets 584 1,270 Total assets of consolidated VIEs$86,990 $218,165 Liabilities of consolidated VIEs, included in total liabilities aboveRetail notes, certificates and secured borrowings at fair value$10,281 $52,620 Payable on Structured Program borrowings65,451 152,808 Other liabilities467 729 Total liabilities of consolidated VIEs$76,199 $206,157