Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022
Cash Flows from Operating Activities:
Net income		$ 28,784	$ 266,094
Adjustments to reconcile net income to net cash (used for) provided by operating activities:
Net fair value adjustments		80,222	(24,277)
Change in fair value of loan servicing assets		41,750	53,928
Gain on sales of loans		(35,918)	(76,983)
Provision for credit losses		201,658	205,814
Accretion of loan deferred fees and costs		(74,486)	(63,486)
Stock-based compensation, net		42,122	50,210
Depreciation and amortization		35,242	32,277
Income tax benefit from release of tax valuation allowance		0	(140,315)
Other, net		(8,474)	515
Net change to loans held for sale		(590,400)	42,991
Net change in operating assets and liabilities:
Other assets		23,622	(11,152)
Other liabilities		(65,917)	6,602
Net cash (used for) provided by operating activities		(321,795)	342,218
Cash Flows from Investing Activities:
Net change in loans and leases		101,884	(1,630,858)
Net decrease in retail and certificate loans		39,337	148,963
Purchases of securities available for sale		(59,336)	(222,534)
Proceeds from maturities and paydowns of securities available for sale		42,856	69,776
Purchases of property, equipment and software, net		(48,239)	(54,659)
Other investing activities		(8,606)	(5,704)
Net cash provided by (used for) investing activities		67,896	(1,695,016)
Cash Flows from Financing Activities:
Net change in deposits		599,054	1,987,718
Principal payments on borrowings		(62,850)	(222,271)
Principal payments on retail notes and certificates		(39,337)	(149,115)
Other financing activities		(17,195)	(7,994)
Net cash provided by financing activities		479,672	1,608,338
Net Increase in Cash, Cash Equivalents and Restricted Cash		225,773	255,540
Cash, Cash Equivalents and Restricted Cash, Beginning of Period		1,124,484	763,586
Cash, Cash Equivalents and Restricted Cash, End of Period		1,350,257	1,019,126
Supplemental Cash Flow Information:
Cash paid for interest		180,167	43,623
Cash paid for taxes		7,757	14,003
Cash paid for operating leases included in the measurement of lease liabilities		9,581	12,394
Non-cash investing activity:
Net asset-backed securities retained from Structured Program transactions		454,831	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		1,307,770
Restricted cash	[1]	42,487
Total cash, cash equivalents and restricted cash		$ 1,350,257	$ 1,019,126

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