Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Operating Activities
Net loss	$ (128,436)	$ (107,128)
Adjustments to reconcile net loss to net cash provided by operating activities:
Depreciation and amortization	33,340	48,443
Stock-based compensation	53,942	55,382
Amortization of debt discount and issuance costs	2,280	2,873
Non-cash lease expense	9,046	12,909
Impairment costs	0	113
Net gain on IRLCs, forward sales commitments, and loans held for sale	(1,809)	(1,767)
Change in fair value of mortgage servicing rights, net	(742)	1,065
Gain on extinguishment of convertible senior notes	(12,000)	(68,848)
Other	548	(2,013)
Change in assets and liabilities:
Accounts receivable, net	(23,377)	(238)
Inventory	0	114,232
Prepaid expenses and other assets	(10,141)	9,696
Accounts payable	3,802	177
Accrued and other liabilities, deferred tax liabilities, and payroll tax liabilities, noncurrent	11,772	(19,346)
Lease liabilities	(11,993)	(14,864)
Origination of mortgage servicing rights	(170)	(699)
Proceeds from sale of mortgage servicing rights	30,549	1,122
Origination of loans held for sale	(3,071,291)	(2,798,337)
Proceeds from sale of loans originated as held for sale	3,018,634	2,858,656
Net cash (used in) provided by operating activities	(96,046)	91,428
Investing activities
Purchases of property and equipment	(8,984)	(9,235)
Purchases of investments	0	(76,866)
Sales of investments	39,225	124,681
Maturities of investments	6,395	59,383
Net cash provided by investing activities	36,636	97,963
Financing activities
Proceeds from the issuance of common stock pursuant to employee equity plans	4,757	5,790
Tax payments related to net share settlements on restricted stock units	(1,574)	(15,961)
Borrowings from warehouse credit facilities	3,088,179	2,803,589
Repayments to warehouse credit facilities	(3,031,326)	(2,861,779)
Principal payments under finance lease obligations	(56)	(73)
Repurchases of convertible senior notes	(106,953)	(212,401)
Repayments of convertible senior notes	0	(23,512)
Repayment of term loan principal	(1,563)	0
Payments of debt issuance costs	(2,222)	0
Proceeds from term loan	125,000	0
Net cash provided by (used in) financing activities	74,242	(304,347)
Effect of exchange rate changes on cash, cash equivalents, and restricted cash	2	(73)
Net change in cash, cash equivalents, and restricted cash	14,834	(115,029)
Cash, cash equivalents, and restricted cash:
Cash, cash equivalents, and restrict cash balance	165,834	127,217
Supplemental disclosure of cash flow information
Cash paid for interest	24,939	13,540
Non-cash transactions
Stock-based compensation capitalized in property and equipment	$ 3,327	$ 3,173