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Condensed Consolidated Statements of Operations and Comprehensive Income (Loss) (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Interest income    
Loans and securitizations $ 620,228 $ 360,396
Other 45,683 11,168
Total interest income 665,911 371,564
Interest expense    
Securitizations and warehouses 40,921 54,324
Deposits 211,451 73,116
Corporate borrowings 10,711 8,000
Other 110 114
Total interest expense 263,193 135,554
Net interest income 402,718 236,010
Noninterest income    
Loan origination, sales, and securitizations 57,000 123,334
Servicing 6,974 12,742
Technology products and solutions 85,672 72,801
Other 92,631 27,271
Total noninterest income 242,277 236,148
Total net revenue 644,995 472,158
Noninterest expense    
Technology and product development 130,920 117,059
Sales and marketing 167,366 175,154
Cost of operations 100,061 83,908
General and administrative 145,240 123,689
Provision for credit losses 7,182 8,407
Total noninterest expense 550,769 508,217
Income (loss) before income taxes 94,226 (36,059)
Income tax (expense) benefit (6,183) 1,637
Net income (loss) 88,043 (34,422)
Other comprehensive income (loss)    
Unrealized (losses) gains on available-for-sale securities, net (700) 2,248
Foreign currency translation adjustments, net (179) (293)
Total other comprehensive income (loss) (879) 1,955
Comprehensive income (loss) $ 87,164 $ (32,467)
Earnings (loss) per share (Note 16)    
Earnings (loss) per share - basic (in dollars per share) $ 0.08 $ (0.05)
Earnings (loss) per share - diluted (in dollars per share) $ 0.02 $ (0.05)
Weighted average common stock outstanding - basic (in shares) 982,617,492 929,270,723
Weighted average common stock outstanding - diluted (in shares) 1,042,476,501 929,270,723