Condensed Consolidated Statements of Income - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Non-interest income:
Marketplace revenue		$ 60,886	$ 173,837	$ 239,303	$ 560,187
Other non-interest income		2,958	7,400	9,349	24,739
Total non-interest income		63,844	181,237	248,652	584,926
Interest income:
Interest on loans held for sale		9,582	5,879	19,772	20,459
Interest and fees on loans and leases held for investment		158,960	124,028	471,512	324,381
Interest on loans held for investment at fair value		11,788	791	60,372	2,015
Interest on retail and certificate loans held for investment at fair value		817	3,685	3,694	15,745
Interest on securities available for sale		9,467	3,820	19,315	12,757
Other interest income		16,798	5,017	49,646	7,984
Total interest income		207,412	143,220	624,311	383,341
Interest expense:
Interest on deposits		69,509	15,184	189,303	24,700
Interest on retail notes, certificates and secured borrowings		817	3,685	3,694	15,745
Other interest expense		81	675	953	3,314
Total interest expense		70,407	19,544	193,950	43,759
Net interest income		137,005	123,676	430,361	339,582
Total net revenue		200,849	304,913	679,013	924,508
Provision for credit losses		64,479	82,739	201,658	205,814
Non-interest expense:
Compensation and benefits		58,497	84,916	203,357	251,629
Marketing		19,555	46,031	70,375	162,608
Equipment and software		12,631	12,491	40,295	35,998
Depreciation and amortization		11,250	10,681	35,242	32,277
Professional services		8,414	11,943	27,446	40,487
Occupancy		4,612	5,051	13,606	17,279
Other non-interest expense		13,076	15,106	46,101	46,531
Total non-interest expense		128,035	186,219	436,422	586,809
Income (Loss) before income tax benefit (expense)		8,335	35,955	40,933	131,885
Income tax benefit (expense)		(3,327)	7,243	(12,149)	134,209
Net income		$ 5,008	$ 43,198	$ 28,784	$ 266,094
Earnings per share:
Basic EPS ($ per share)	[1]	$ 0.05	$ 0.41	$ 0.27	$ 2.59
Diluted EPS ($ per share)	[1]	$ 0.05	$ 0.41	$ 0.27	$ 2.56
Weighted-average common shares – Basic (in shares)	[1]	109,071,180	104,215,594	107,966,544	102,838,645
Weighted-average common shares – Diluted (in shares)	[1]	109,073,194	105,853,938	107,969,920	104,116,240

[1] See “Notes to Condensed Consolidated Financial Statements – Note 3. Earnings Per Share” for additional information.