Condensed Consolidated Statements of Cash Flow (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Cash flows from operating activities
Net income	$ 36,506	$ 10,269
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	22,340	14,701
Fair value adjustment, net	59,513	17,470
Origination fees for loans receivable at fair value, net	(11,351)	(6,677)
Gain on loan sales	(5,714)	(9,755)
Stock-based compensation expense	13,702	10,454
Other, net	20,732	29,242
Originations of loans sold and held for sale	(48,972)	(75,023)
Proceeds from sale of loans	55,064	84,474
Changes in other assets and other liabilities	(50,178)	(21,317)
Net cash provided by operating activities	91,642	53,838
Cash flows from investing activities
Originations of loans	(1,560,495)	(595,849)
Proceeds from loan sales originated as held for investment	247,230	0
Repayments of loan principal	700,968	552,675
Capitalization of system development costs	(23,580)	(12,132)
Other, net	(2,147)	(1,845)
Net cash used in investing activities	(638,024)	(57,151)
Cash flows from financing activities
Borrowings under secured financing	1,331,000	150,000
Borrowings under asset-backed notes and acquisition financing	404,984	867,462
Repayments of secured financing	(1,220,000)	(396,994)
Repayments of asset-backed notes and acquisition financing	(21,093)	(425,005)
Payments of deferred financing costs	(314)	0
Net payments related to stock-based activities	(7,299)	(2,771)
Net cash provided by financing activities	487,278	192,692
Net increase (decrease) in cash and cash equivalents and restricted cash	(59,104)	189,379
Cash and cash equivalents and restricted cash, beginning of period	192,960	168,590
Cash and cash equivalents and restricted cash, end of period	133,856	357,969
Supplemental disclosure of cash flow information
Cash and cash equivalents	66,712	138,429
Restricted cash	67,144	219,540
Total cash and cash equivalents and restricted cash	133,856	357,969
Cash paid for income taxes, net of refunds	(3,377)	1,809
Cash paid for interest	27,032	25,588
Cash paid for amounts included in the measurement of operating lease liabilities	7,772	9,520
Supplemental disclosures of non-cash investing and financing activities
Right of use assets obtained in exchange for operating lease obligations	1,862	5,187
Non-cash investments in capitalized assets	$ 1,852	$ 806