Other income and operating expenses - Components of Other Income and Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Other income
Origination income	$ 20,866	$ 15,672	$ 12,415
Change in repair and denial reserve	3,229	6,977	(10,224)
Employee retention credit consulting income	53,622	9,410
Other	25,410	18,659	4,665
Total other income	103,127	50,718	6,856
Other operating expenses
Origination costs	7,345	12,906	24,337
Technology expense	7,430	6,164	5,154
Impairment on real estate	8,638	4,033	2,293
Rent and property tax expense	5,001	4,519	5,436
Recruiting, training and travel expenses	2,782	2,618	1,273
Marketing expense	1,120	706	1,341
Bad debt expense - ERC	8,447
Other	18,828	16,707	10,069
Total other operating expenses	$ 59,591	$ 47,653	$ 49,903