Consolidated Statements of Cash Flows - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash Flows from Operating Activities:
Net income	[1]	$ 38,939	$ 289,685	$ 18,580
Adjustments to reconcile net income to net cash (used for) provided by operating activities:
Net fair value adjustments		134,114	(8,503)	(3,986)
Change in fair value of loan servicing assets		62,581	73,229	54,108
Gain on sales of loans		(47,839)	(95,335)	(70,116)
Provision for credit losses		243,565	267,326	138,800
Accretion of loan deferred fees and costs		(90,723)	(86,138)	(41,319)
Stock-based compensation, net		52,389	66,362	66,759
Depreciation and amortization		47,195	43,831	44,285
Income tax benefit from release of tax valuation allowance		0	(143,495)	0
Other, net		(8,932)	(1,828)	11,263
Net change to loans held for sale		(1,535,037)	8,032	4,856
Net change in operating assets and liabilities:
Other assets		54,894	(16,762)	(9,733)
Other liabilities		(87,746)	(20,836)	26,372
Net cash (used for) provided by operating activities		(1,136,600)	375,568	239,869
Cash Flows from Investing Activities:
Acquisition of company		0	0	(145,344)
Cash received from acquisition		0	0	668,236
Net change in loans and leases		497,276	(2,771,293)	(1,517,132)
Net decrease in retail and certificate loans		47,545	171,853	437,870
Purchases of securities available for sale		(61,648)	(222,534)	(100,474)
Proceeds from sales of securities available for sale		0	0	106,192
Proceeds from maturities and paydowns of securities available for sale		97,709	86,078	143,402
Purchases of property, equipment and software, net		(59,509)	(69,481)	(34,413)
Other investing activities		(4,676)	(4,423)	(12,747)
Net cash provided by (used for) investing activities		516,697	(2,809,800)	(454,410)
Cash Flows from Financing Activities:
Net change in deposits		921,393	3,256,501	1,126,659
Principal payments on borrowings		(64,448)	(270,083)	(329,690)
Principal payments on retail notes and certificates		(47,545)	(182,260)	(438,032)
Other financing activities		(19,833)	(9,028)	(9,295)
Net cash provided by financing activities		789,567	2,795,130	349,642
Net Increase in Cash, Cash Equivalents and Restricted Cash		169,664	360,898	135,101
Cash, Cash Equivalents and Restricted Cash, Beginning of Period		1,124,484	763,586	628,485
Cash, Cash Equivalents and Restricted Cash, End of Period		1,294,148	1,124,484	763,586
Supplemental Cash Flow Information:
Cash paid for interest		258,626	79,732	77,334
Cash paid for taxes		6,631	14,462	4,799
Cash paid for operating leases included in the measurement of lease liabilities		12,797	15,540	20,546
Non-cash investing activity:
Loans and leases held for investment transferred to loans held for sale		0	0	402,960
Net securities retained from Structured Program transactions		1,299,313	0	0
Non-cash investing and financing activity:
Net issuances of stock related to acquisition		0	0	41,462	[2]
Non-cash financing activity:
Derecognition of payable to securitization note and residual certificate holders held in consolidated VIE		$ 0	$ 36,072	$ 0

[1] See “Notes to Consolidated Financial Statements – Note 4. Earnings Per Share” for additional information.

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