Consolidated Statements of Cash Flows - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021		Dec. 31, 2020		Dec. 31, 2019
Cash Flows from Operating Activities:
Consolidated net income (loss)	[1]	$ 18,580		$ (187,538)		$ (30,690)
Adjustments to reconcile consolidated net income (loss) to net cash provided by (used for) operating activities:
Net fair value adjustments	[1]	(3,986)		105,002		144,273
Provision for credit losses	[1]	138,800	[2]	3,382	[2]	0
Change in fair value of loan servicing assets	[1]	54,108		58,730		58,172
Stock-based compensation, net	[1]	66,759		61,533		73,639
Depreciation, amortization, and accretion	[1]	5,575		56,526		62,151
Gain on sales of loans	[1]	(70,116)		(30,812)		(67,716)
Other, net	[1]	8,654		12,506		5,829
Net change to loans held for sale	[1]	4,856		435,245		(440,192)
Net change in operating assets and liabilities:
Other assets	[1]	(9,733)		34,483		1,499
Other liabilities	[1]	26,372		(131,026)		(77,609)
Net cash provided by (used for) operating activities	[1]	239,869		418,031		(270,644)
Cash Flows from Investing Activities:
Acquisition of company	[1]	(145,344)		0		0
Cash received from acquisition	[1]	668,236		0		0
Net change in loans and leases	[1]	(1,517,132)		7,151		9,150
Net decrease in retail and certificate loans	[1]	437,870		411,428		602,678
Purchases of securities available for sale	[1]	(100,474)		(53,736)		(144,481)
Proceeds from sales of securities available for sale	[1]	106,192		6,217		12,548
Proceeds from maturities and paydowns of securities available for sale	[1]	143,402		225,458		223,980
Purchases of property, equipment and software, net	[1]	(34,413)		(31,147)		(50,668)
Other investing activities	[1]	(12,747)		400		561
Net cash (used for) provided by investing activities	[1]	(454,410)		565,771		653,768
Cash Flows from Financing Activities:
Net change in demand deposits and savings accounts	[1]	1,126,659		0		0
Proceeds from PPPLF	[1]	325,194		0		0
Repayment on PPPLF	[1]	(474,223)		0		0
Proceeds from issuance of retail notes and certificates	[1]	0		314,995		632,962
Principal payments on retail notes and certificates	[1]	(438,032)		(729,405)		(1,259,203)
Principal payments on Structured Program borrowings	[1]	(90,187)		(73,710)		(58,025)
Proceeds from issuance of notes and certificates from Structured Program transactions	[1]	0		186,190		42,500
Principal payments on short-term borrowings	[1]	(87,640)		(1,662,199)		(2,801,824)
Principal payments on long-term debt	[1]	(2,834)		(14,419)		(13,651)
Proceeds from short-term borrowings	[1]	0		1,195,261		2,943,948
Deemed dividend paid to preferred stockholder	[1]	0		(50,204)		0
Other financing activities	[1]	(9,295)		(8,948)		(26,767)
Net cash provided by (used for) financing activities	[1]	349,642		(842,439)		(540,060)
Net Increase (Decrease) in Cash, Cash Equivalents and Restricted Cash		135,101		141,363		(156,936)
Cash, Cash Equivalents and Restricted Cash, Beginning of Period		628,485		487,122		644,058
Cash, Cash Equivalents and Restricted Cash, End of Period		763,586		628,485		487,122
Supplemental Cash Flow Information:
Cash paid for interest		77,334		143,840		254,585
Cash paid for operating leases included in the measurement of lease liabilities		20,546		16,679		16,816
Non-cash investing activity
Loans and leases held for investment transferred to loans held for sale	[3]	402,960		0		0
Net securities retained from Structured Program transactions	[3]	0		43,458		197,267
Accruals for property, equipment and software	[3]	0		686		1,745
Non-cash investing and financing activity:
Transfer of whole loans to redeem certificates		0		17,414		122,330
Net issuances of stock related to acquisition		41,462	[4]	0		0
Non-cash financing activity
Exchange of common stock for preferred stock		0		207,244		0
Derecognition of payable on Structured Program borrowings		$ 0		$ 0		$ 200,881

[1] Prior period amounts have been reclassified to conform to the current period presentation. See “Notes to Consolidated Financial Statements – Note 1. Summary of Significant Accounting Policies” for additional information.

[2] Prior period amounts have been reclassified to conform to the current period presentation. See “Notes to Consolidated Financial Statements – Note 1. Summary of Significant Accounting Policies” for additional information.

[3] See “Notes to Consolidated Financial Statements – Note 8. Fair Value of Assets and Liabilities” for other non-cash investing activity.

[4] Stock issued as part of the consideration paid related to the Acquisition. See “Notes to Consolidated Financial Statements – Note 2. Business Acquisition.”