Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Operating Activities
Net loss	$ (92,519)	$ (66,774)
Adjustments to reconcile net loss to net cash provided by operating activities:
Depreciation and amortization	8,309	14,398
Stock-based compensation	15,362	17,409
Contract asset amortization	1,323	0
Amortization of debt discount and issuance costs	851	709
Non-cash lease expense	2,615	3,154
Net gain on IRLCs, forward sales commitments, and loans held for sale	(3,042)	(4,124)
Change in fair value of mortgage servicing rights, net	116	(365)
Gain on extinguishment of convertible senior notes	0	(5,686)
Other	4,600	263
Change in assets and liabilities:
Accounts receivable, net	8,999	(3,245)
Prepaid expenses and other assets	(1,620)	(4,718)
Accounts payable	3,263	5,432
Accrued and other liabilities and deferred tax liabilities	14,537	8,155
Deferred revenue	97,321	0
Lease liabilities	(3,384)	(4,089)
Origination of mortgage servicing rights	(44)	(61)
Proceeds from sale of mortgage servicing rights	50	269
Origination of loans held for sale	(774,556)	(828,421)
Proceeds from sale of loans originated as held for sale	755,697	821,714
Net cash provided by (used in) operating activities	37,878	(45,980)
Investing activities
Purchases of property and equipment	(3,234)	(3,558)
Sales of investments	0	39,225
Maturities of investments	0	6,395
Net cash (used in) provided by investing activities	(3,234)	42,062
Financing activities
Proceeds from the issuance of common stock pursuant to employee equity plans	1,835	94
Tax payments related to net share settlements on restricted stock units	(721)	(529)
Borrowings from warehouse credit facilities	783,547	827,186
Repayments to warehouse credit facilities	(759,963)	(822,562)
Principal payments under finance lease obligations	0	(27)
Repurchases of convertible senior notes	0	(42,525)
Repayment of term loan principal	(625)	(313)
Net cash provided by (used in) financing activities	24,073	(38,676)
Effect of exchange rate changes on cash, cash equivalents, and restricted cash	(23)	(3)
Net change in cash, cash equivalents, and restricted cash	58,694	(42,597)
Cash, cash equivalents, and restricted cash:
Total cash, cash equivalents, and restricted cash	183,666	108,403
Supplemental disclosure of cash flow information
Cash paid for interest	8,553	7,078
Non-cash transactions
Stock-based compensation capitalized in property and equipment	747	1,265
Leasehold improvements paid directly by lessor	471	0
Recharacterization from intangible assets, net to other current assets and contract asset, noncurrent	$ 49,378	$ 0