CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Operating activities
Net income	$ 308,466	$ 236,086
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provisions for credit losses	157,165	117,198
Income tax expense	90,097	81,071
Amortization of brokered deposit placement fee	7,625	5,847
Amortization of Secured Borrowing Facility upfront fee	559	575
Amortization of deferred loan origination costs and loan premium/(discounts), net	6,426	5,115
Net amortization of discount on investments	493	985
Increase (reduction) in tax indemnification receivable	282	(3,453)
Depreciation of premises and equipment	6,968	6,475
Stock-based compensation expense	19,473	20,261
Unrealized gains (losses) on derivatives and hedging activities, net	(21,950)	1,175
Gains on sales of loans, net	0	(2,060)
Losses on sales of securities, net	0	1,549
Other adjustments to net income, net	3,851	3,480
Changes in operating assets and liabilities:
Increase in accrued interest receivable	(478,886)	(407,813)
Increase in other interest-earning assets	(38,030)	(6,799)
Decrease in tax indemnification receivable	0	17,994
Increase in other assets	(28,297)	(51,448)
Decrease in income taxes payable, net	(132,250)	(107,973)
Increase in accrued interest payable	7,037	11,295
Increase (decrease) in other liabilities	27,927	(9,054)
Total adjustments	(371,510)	(315,580)
Total net cash used in operating activities	(63,044)	(79,494)
Investing activities
Loans acquired and originated	(2,919,389)	(3,162,764)
Net proceeds from sales of loans held for investment	0	44,832
Proceeds from claim payments	21,356	27,000
Net decrease in loans held for investment	2,004,272	1,442,627
Purchases of available-for-sale securities	(160,317)	(2,914)
Proceeds from sales and maturities of available-for-sale securities	10,629	62,237
Total net cash used in investing activities	(1,043,449)	(1,588,982)
Financing activities
Brokered deposit placement fee	(15,380)	(18,885)
Net increase in certificates of deposit	1,787,511	947,437
Net increase in other deposits	373,452	331,926
Borrowings collateralized by loans in securitization trusts - issued	1,105,594	1,350,587
Borrowings collateralized by loans in securitization trusts - repaid	(530,765)	(411,904)
Borrowings under Secured Borrowing Facility	0	300,000
Repayment of borrowings under Secured Borrowing Facility	0	(300,000)
Fees paid on Secured Borrowing Facility	(1,116)	(1,095)
Common stock dividends paid	(25,824)	0
Preferred stock dividends paid	(8,799)	(7,317)
Common stock repurchased	(120,120)	0
Net cash provided by financing activities	2,564,553	2,190,749
Net increase in cash, cash equivalents and restricted cash	1,458,060	522,273
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	4,139,955	2,158,448
Cash disbursements made for:
Interest	323,278	207,872
Income taxes paid	132,036	111,173
Income taxes refunded	(718)	(3,790)
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