CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Operating activities
Net income	$ 383,583	$ 470,885
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provisions for credit losses	131,841	128,595
Income tax expense	128,820	151,652
Amortization of brokered deposit placement fee	5,986	6,575
Amortization of Secured Borrowing Facility upfront fee	1,441	1,218
Amortization of deferred loan origination costs and loan premium/(discounts), net	6,402	8,186
Net amortization of discount on investments	(1,317)	1,022
Increase in tax indemnification receivable	(86)	(221)
Depreciation of premises and equipment	9,145	8,489
Acquired intangible assets amortization expense	4,517	3,150
Stock-based compensation expense	19,828	20,296
Unrealized (gains) losses on derivatives and hedging activities, net	(339)	(27)
Gains on sales of loans, net	(124,745)	(249,878)
(Gains) losses on securities, net	(498)	2,913
Acquisition transaction costs, net	0	2,602
Other adjustments to net income, net	8,883	7,983
Changes in operating assets and liabilities:
Increase in accrued interest receivable	(511,089)	(372,454)
Increase in non-marketable securities	(691)	(992)
Increase in other interest-earning assets	(790)	(528)
Increase in other assets	(37,573)	(39,862)
Decrease in income taxes payable, net	(74,596)	(118,724)
Increase in accrued interest payable	10,433	(2,535)
Decrease in other liabilities	(17,301)	(25,846)
Total adjustments	(441,729)	(468,386)
Total net cash (used in) provided by operating activities	(58,146)	2,499
Investing activities
Loans acquired and originated	(3,132,075)	(2,857,411)
Net proceeds from sales of loans held for investment and loans held for sale	2,157,028	2,333,188
Proceeds from FFELP Loan claim payments	26,477	14,642
Net decrease in loans held for investment and loans held for sale (other than loans acquired and originated, and loan sales)	1,605,292	2,007,215
Purchases of available-for-sale securities	(44,782)	(753,129)
Proceeds from sales and maturities of available-for-sale securities	148,092	741,059
Purchase of subsidiary, net of cash acquired	0	(127,568)
Total net cash provided by investing activities	760,032	1,357,996
Financing activities
Brokered deposit placement fee	(2,634)	(3,790)
Net decrease in certificates of deposit	(303,027)	(1,131,940)
Net increase (decrease) in other deposits	(793,068)	353,506
Borrowings collateralized by loans in securitization trusts - issued	569,513	0
Borrowings collateralized by loans in securitization trusts - repaid	(596,692)	(716,561)
Issuance costs for unsecured debt offering	(15)	(360)
Fees paid on Secured Borrowing Facility	(2,850)	(2,833)
Common stock dividends paid	(51,938)	(58,576)
Preferred stock dividends paid	(8,337)	(3,032)
Common stock repurchased	(259,331)	(545,498)
Total net cash used in financing activities	(1,448,379)	(2,109,084)
Net decrease in cash, cash equivalents and restricted cash	(746,493)	(748,589)
Cash, cash equivalents and restricted cash at beginning of period	4,772,836	4,545,344
Cash, cash equivalents and restricted cash at end of period	4,026,343	3,796,755
Cash disbursements made for:
Interest	449,268	174,681
Income taxes paid	82,307	120,330
Income taxes refunded	(8,157)	(2,023)
Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:
Cash and cash equivalents	3,875,758	3,649,651
Restricted cash	150,585	147,104
Total cash, cash equivalents and restricted cash	$ 4,026,343	$ 3,796,755