CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Operating activities
Net income	$ 436,924	$ 339,964
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provisions for credit losses	256,691	187,245
Income tax expense	130,798	27,404
Amortization of brokered deposit placement fee	12,292	9,378
Amortization of Secured Borrowing Facility upfront fee	838	851
Amortization of deferred loan origination costs and loan premium/(discounts), net	9,750	8,039
Net amortization of discount on investments	1,312	1,344
Increase in tax indemnification receivable	981	86,079
Depreciation of premises and equipment	10,850	9,977
Stock-based compensation expense	24,841	25,828
Unrealized (losses) gains on derivatives and hedging activities, net	(24,957)	6,065
Gains on sales of loans, net	0	(2,060)
Losses on sales of securities, net	0	1,549
Other adjustments to net income, net	(2,447)	5,704
Changes in operating assets and liabilities:
Increase in accrued interest receivable	(719,555)	(628,959)
Increase in non-marketable securities	(10,700)	(5,000)
Increase in other interest-earning assets	(47,513)	(10,485)
Decrease in tax indemnification receivable	0	26,991
Increase in other assets	(10,274)	(56,659)
Decrease in income taxes payable, net	(184,991)	(156,502)
Increase in accrued interest payable	21,831	27,265
Increase in other liabilities	15,928	3,582
Total adjustments	(514,325)	(432,364)
Total net cash used in operating activities	(77,401)	(92,400)
Investing activities
Loans acquired and originated	(5,335,986)	(5,570,195)
Net proceeds from sales of loans held for investment	0	44,832
Proceeds from claim payments	31,474	38,492
Net decrease in loans held for investment	2,992,844	2,208,681
Purchases of available-for-sale securities	(305,872)	(7,914)
Proceeds from sales and maturities of available-for-sale securities	32,282	70,843
Total net cash used in investing activities	(2,585,258)	(3,215,261)
Financing activities
Brokered deposit placement fee	(19,799)	(25,104)
Net increase in certificates of deposit	2,682,850	1,953,644
Net increase in other deposits	911,985	458,472
Borrowings collateralized by loans in securitization trusts - issued	1,105,594	1,890,912
Borrowings collateralized by loans in securitization trusts - repaid	(793,062)	(639,190)
Borrowings under Secured Borrowing Facility	297,800	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	(38,485)	0
Preferred stock dividends paid	(12,952)	(11,441)
Common stock repurchased	(157,597)	0
Net cash provided by financing activities	3,975,218	3,626,198
Net increase in cash, cash equivalents and restricted cash	1,312,559	318,537
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	3,994,454	1,954,712
Cash disbursements made for:
Interest	489,599	327,798
Income taxes paid	185,138	161,248
Income taxes refunded	(853)	(5,174)
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