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Condensed Consolidated Statements of Operations and Comprehensive Loss - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Interest income        
Loans $ 537,947 $ 191,525 $ 1,337,476 $ 451,247
Securitizations 1,980 2,633 7,693 7,958
Other 24,343 3,881 60,661 6,758
Total interest income 564,270 198,039 1,405,830 465,963
Interest expense        
Securitizations and warehouses 63,847 20,653 181,231 59,158
Deposits 145,563 14,149 325,208 19,123
Corporate borrowings 9,784 5,270 26,951 11,369
Other 113 117 341 801
Total interest expense 219,307 40,189 533,731 90,451
Net interest income 344,963 157,850 872,099 375,512
Noninterest income        
Loan origination and sales 81,683 163,697 311,258 465,815
Securitizations (6,298) (8,772) (22,375) (31,790)
Servicing 8,009 7,296 29,803 30,003
Technology products and solutions 81,856 82,035 236,946 223,562
Other 26,996 21,879 79,654 53,754
Total noninterest income 192,246 266,135 635,286 741,344
Total net revenue 537,209 423,985 1,507,385 1,116,856
Noninterest expense        
Technology and product development 125,698 110,702 369,602 291,976
Sales and marketing 186,719 162,129 544,695 444,121
Cost of operations 98,258 83,083 276,051 232,611
General and administrative 124,457 126,199 379,326 388,533
Goodwill impairment 247,174 0 247,174 0
Provision for credit losses 21,831 16,323 42,853 39,387
Total noninterest expense 804,137 498,436 1,859,701 1,396,628
Loss before income taxes (266,928) (74,451) (352,316) (279,772)
Income tax benefit (expense) 244 242 3,661 (629)
Net loss (266,684) (74,209) (348,655) (280,401)
Other comprehensive income (loss)        
Unrealized gains (losses) on available-for-sale securities, net 5,616 (1,914) 8,694 (8,360)
Foreign currency translation adjustments, net 103 325 202 231
Total other comprehensive income (loss) 5,719 (1,589) 8,896 (8,129)
Comprehensive loss $ (260,965) $ (75,798) $ (339,759) $ (288,530)
Loss per share (Note 16)        
Loss per share - basic (in dollars per share) $ (0.29) $ (0.09) $ (0.40) $ (0.35)
Loss per share - diluted (in dollars per share) $ (0.29) $ (0.09) $ (0.40) $ (0.35)
Weighted average common stock outstanding - basic (in shares) 951,183,107 916,762,973 939,070,185 893,455,206
Weighted average common stock outstanding - diluted (in shares) 951,183,107 916,762,973 939,070,185 893,455,206