CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Operating activities
Net income	$ 158,189	$ 126,254
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provisions for credit losses	63,790	53,931
Income tax expense	56,296	40,997
Amortization of brokered deposit placement fee	3,555	2,789
Amortization of Secured Borrowing Facility upfront fee	277	301
Amortization of deferred loan origination costs and loan premium/(discounts), net	3,184	2,607
Net amortization of discount on investments	189	475
Increase in tax indemnification receivable	(3,917)	(1,231)
Depreciation of premises and equipment	3,586	3,117
Stock-based compensation expense	13,891	14,745
Unrealized gains on derivatives and hedging activities, net	(4,027)	(3,879)
Other adjustments to net income, net	1,918	1,855
Changes in operating assets and liabilities:
Increase in accrued interest receivable	(239,180)	(201,776)
Increase in other interest-earning assets	(4,764)	(10,051)
Increase in other assets	(681)	(35,858)
Decrease in income taxes payable, net	(3,947)	(1,159)
Increase in accrued interest payable	7,405	11,034
Decrease in other liabilities	(39,049)	(18,309)
Total adjustments	(141,474)	(140,412)
Total net cash provided by (used in) operating activities	16,715	(14,158)
Investing activities
Loans acquired and originated	(2,253,624)	(2,300,135)
Net proceeds from sales of loans held for investment	0	820
Proceeds from claim payments	11,587	12,084
Net decrease in loans held for investment	1,077,273	735,894
Purchases of available-for-sale securities	(33,483)	0
Proceeds from sales and maturities of available-for-sale securities	4,570	10,371
Total net cash used in investing activities	(1,193,677)	(1,540,966)
Financing activities
Brokered deposit placement fee	(1,498)	(7,055)
Net increase in certificates of deposit	404,121	694,982
Net increase in other deposits	290,631	323,614
Borrowings collateralized by loans in securitization trusts - issued	451,128	667,848
Borrowings collateralized by loans in securitization trusts - repaid	(260,953)	(200,247)
Borrowings under Secured Borrowing Facility	0	300,000
Repayment of borrowings under Secured Borrowing Facility	0	(300,000)
Fees paid on Secured Borrowing Facility	(1,065)	(1,063)
Common stock dividends paid	(13,020)	0
Preferred stock dividends paid	(4,468)	(3,397)
Common stock repurchased	(60,000)	0
Net cash provided by financing activities	804,876	1,474,682
Net decrease in cash, cash equivalents and restricted cash	(372,086)	(80,442)
Cash, cash equivalents and restricted cash at beginning of period	2,681,895	1,636,175
Cash, cash equivalents and restricted cash at end of period	2,309,809	1,555,733
Cash disbursements made for:
Interest	147,235	94,737
Income taxes paid	3,700	1,894
Income taxes refunded	(41)	(990)
Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:
Total cash, cash equivalents and restricted cash	$ 2,681,895	$ 1,636,175