Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Operating Activities
Net loss	$ (94,654)	$ (88,156)
Adjustments to reconcile net loss to net cash provided by operating activities:
Depreciation and amortization	23,855	34,146
Stock-based compensation	35,640	36,582
Amortization of debt discount and issuance costs	1,372	2,029
Non-cash lease expense	6,164	9,578
Impairment costs	0	113
Net gain on IRLCs, forward sales commitments, and loans held for sale	(2,196)	(4,565)
Change in fair value of mortgage servicing rights, net	(944)	599
Gain on extinguishment of convertible senior notes	(12,000)	(62,353)
Other	380	(1,794)
Change in assets and liabilities:
Accounts receivable, net	(23,928)	(14,069)
Inventory	0	114,232
Prepaid expenses and other assets	2,100	8,868
Accounts payable	1,135	2,812
Accrued and other liabilities, deferred tax liabilities, and payroll tax liabilities, noncurrent	35,360	(4,522)
Lease liabilities	(8,116)	(10,790)
Origination of mortgage servicing rights	(84)	(579)
Proceeds from sale of mortgage servicing rights	30,503	738
Origination of loans held for sale	(1,989,240)	(1,922,690)
Proceeds from sale of loans originated as held for sale	1,940,725	1,888,706
Net cash used in operating activities	(53,928)	(11,115)
Investing activities
Purchases of property and equipment	(6,795)	(6,213)
Purchases of investments	0	(76,866)
Sales of investments	39,225	65,099
Maturities of investments	6,395	59,383
Net cash provided by investing activities	38,825	41,403
Financing activities
Proceeds from the issuance of common stock pursuant to employee equity plans	2,158	5,665
Tax payments related to net share settlements on restricted stock units	(940)	(11,096)
Borrowings from warehouse credit facilities	1,987,822	1,920,487
Repayments to warehouse credit facilities	(1,937,227)	(1,883,196)
Principal payments under finance lease obligations	(46)	(53)
Repurchases of convertible senior notes	(106,953)	(183,019)
Repayment of term loan principal	(938)	0
Payments of debt issuance costs	(2,203)	0
Proceeds from term loan	125,000	0
Net cash provided by (used in) financing activities	66,673	(151,212)
Effect of exchange rate changes on cash, cash equivalents, and restricted cash	(2)	(58)
Net change in cash, cash equivalents, and restricted cash	51,568	(120,982)
Cash, cash equivalents, and restricted cash:
Cash, cash equivalents, and restrict cash balance	202,568	121,264
Supplemental disclosure of cash flow information
Cash paid for interest	13,417	8,370
Non-cash transactions
Stock-based compensation capitalized in property and equipment	2,263	2,204
Capital expenditures	$ 23	$ 64