Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2022	Sep. 30, 2021
Cash Flows from Operating Activities:
Net income (loss)		$ 266,094	$ (10,528)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Net fair value adjustments		(24,277)	6,714
Provision for credit losses		205,814	93,651
Change in fair value of loan servicing assets		53,928	39,584
Accretion of loan deferred fees and costs	[1]	(63,486)	(24,996)
Stock-based compensation, net		50,210	49,321
Depreciation and amortization	[1]	32,277	33,823
Gain on sales of loans		(76,983)	(49,547)
Income tax benefit from release of tax valuation allowance		(140,315)	0
Other, net	[1]	515	8,631
Net change to loans held for sale		42,991	(14,756)
Net change in operating assets and liabilities:
Other assets		(11,152)	(7,610)
Other liabilities		6,602	(6,000)
Net cash provided by operating activities		342,218	118,287
Cash Flows from Investing Activities:
Acquisition of company		0	(145,344)
Cash received from acquisition		0	668,236
Net change in loans and leases		(1,630,858)	(1,072,274)
Net decrease in retail and certificate loans		148,963	362,005
Purchases of securities available for sale		(222,534)	(78,914)
Proceeds from sales of securities available for sale		0	106,192
Proceeds from maturities and paydowns of securities available for sale		69,776	108,640
Purchases of property, equipment and software, net		(54,659)	(24,435)
Other investing activities		(5,704)	480
Net cash used for investing activities		(1,695,016)	(75,414)
Cash Flows from Financing Activities:
Net change in demand deposits and savings accounts		1,987,718	809,488
Proceeds from PPPLF		0	325,194
Repayment on PPPLF		(180,262)	(354,211)
Principal payments on retail notes and certificates		(149,115)	(362,160)
Principal payments on Structured Program borrowings		(18,613)	(70,496)
Principal payments on short-term borrowings		(23,396)	(69,163)
Principal payments on long-term debt		0	(2,834)
Other financing activities		(7,994)	(7,448)
Net cash provided by financing activities		1,608,338	268,370
Net Increase in Cash, Cash Equivalents and Restricted Cash		255,540	311,243
Cash, Cash Equivalents and Restricted Cash, Beginning of Period		763,586	628,485
Cash, Cash Equivalents and Restricted Cash, End of Period		1,019,126	939,728
Supplemental Cash Flow Information:
Cash paid for interest		43,623	62,926
Cash paid for income taxes		14,003	3,295
Cash paid for operating leases included in the measurement of lease liabilities		12,394	15,895
Non-cash investing activity:
Loans and leases held for investment transferred to loans held for sale		0	154,082
Non-cash investing and financing activity:
Net issuances of stock related to acquisition		0	41,462	[2]
Non-cash financing activity:
Derecognition of payable to securitization note and residual certificate holders held in consolidated VIE		36,072	0
Cash, Cash Equivalents, and Restricted Cash
Cash and cash equivalents		952,841
Restricted cash	[3]	66,285
Total cash, cash equivalents and restricted cash		$ 1,019,126	$ 939,728

[1] Prior period amounts have been reclassified to conform to the current period presentation.

[2] Stock issued as part of the consideration paid related to the Acquisition.

[3] Includes amounts in consolidated variable interest entities (VIEs) presented separately in the table below. The following table presents the assets and liabilities of consolidated VIEs, which are included in the Condensed 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. September 30, 2022December 31, 2021Assets of consolidated VIEs, included in total assets aboveRestricted cash$8,600 $13,462 Loans held for sale at fair value— 41,734  Retail and certificate loans held for investment at fair value 2,940 10,281 Other loans held for investment at fair value6,375 20,929 Other assets 218 584 Total assets of consolidated VIEs$18,133 $86,990 Liabilities of consolidated VIEs, included in total liabilities aboveRetail notes, certificates and secured borrowings at fair value$2,940 $10,281 Payable on Structured Program borrowings11,185 65,451 Other liabilities39 467 Total liabilities of consolidated VIEs$14,164 $76,199