Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands		6 Months Ended
		Jun. 30, 2023	Jun. 30, 2022
Cash Flows from Operating Activities:
Net income		$ 23,776	$ 222,896
Adjustments to reconcile net income to net cash provided by operating activities:
Net fair value adjustments		38,856	(24,896)
Change in fair value of loan servicing assets		29,650	38,013
Gain on sales of loans		(27,346)	(53,429)
Provision for credit losses		137,179	123,075
Accretion of loan deferred fees and costs		(50,292)	(41,392)
Stock-based compensation, net		27,716	33,467
Depreciation and amortization		23,992	21,596
Income tax benefit from release of tax valuation allowance		0	(135,300)
Other, net		(6,363)	2,520
Net change to loans held for sale		(138,347)	66,787
Net change in operating assets and liabilities:
Other assets		14,065	(6,648)
Other liabilities		(49,751)	(14,734)
Net cash provided by operating activities		23,135	231,955
Cash Flows from Investing Activities:
Net change in loans and leases		(222,167)	(881,279)
Net decrease in retail and certificate loans		30,222	113,422
Purchases of securities available for sale		(45,120)	(222,534)
Proceeds from maturities and paydowns of securities available for sale		19,022	49,645
Purchases of property, equipment and software, net		(32,255)	(37,358)
Other investing activities		(7,600)	(4,023)
Net cash used for investing activities		(257,898)	(982,127)
Cash Flows from Financing Activities:
Net change in deposits		450,559	1,391,884
Principal payments on borrowings		(58,276)	(183,244)
Principal payments on retail notes and certificates		(30,222)	(113,498)
Other financing activities		(13,066)	(6,324)
Net cash provided by financing activities		348,995	1,088,818
Net Increase in Cash, Cash Equivalents and Restricted Cash		114,232	338,646
Cash, Cash Equivalents and Restricted Cash, Beginning of Period		1,124,484	763,586
Cash, Cash Equivalents and Restricted Cash, End of Period		1,238,716	1,102,232
Supplemental Cash Flow Information:
Cash paid for interest		115,112	19,463
Cash paid for taxes		7,245	10,840
Cash paid for operating leases included in the measurement of lease liabilities		6,364	9,253
Non-cash investing activity:
Net securities retained from Structured Program transactions		153,229	0
Non-cash financing activity:
Derecognition of payable to securitization note and residual certificate holders held in consolidated VIE		0	36,072
Cash, Cash Equivalents, and Restricted Cash
Cash and cash equivalents		1,203,924
Restricted cash	[1]	34,792
Total cash, cash equivalents and restricted cash		$ 1,238,716	$ 1,102,232

[1] Includes amounts in consolidated variable interest entities (VIEs). See “Notes to Condensed Consolidated Financial Statements – Note 6. Securitizations and Variable Interest Entities.”