Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 10,989	$ 15,592
Interest-earning demand accounts	465,621	568,830
Cash and cash equivalents	476,610	584,422
Securities purchased under agreements to resell	1,559	3,349
Mortgage loans in process of securitization	428,206	110,599
Securities available for sale ($635,946 and $722,497 utilizing fair value option, respectively)	980,050	1,113,687
Securities held to maturity ($1,664,674 and $1,203,535 at fair value, respectively)	1,664,686	1,204,217
Federal Home Loan Bank (FHLB) stock and other equity securities	217,804	48,578
Loans held for sale (includes $78,170 and $86,663 at fair value, respectively)	3,771,510	3,144,756
Loans receivable, net of allowance for credit losses on loans of $84,386 and $71,752, respectively	10,354,002	10,127,801
Premises and equipment, net	58,617	42,342
Servicing rights	189,935	158,457
Interest receivable	83,409	91,346
Goodwill	8,014	15,845
Other assets and receivables	571,330	307,117
Total assets	18,805,732	16,952,516
Deposits
Noninterest-bearing	239,005	520,070
Interest-bearing	11,680,971	13,541,390
Total deposits	11,919,976	14,061,460
Borrowings	4,386,122	964,127
Deferred tax liabilities	25,289	19,923
Other liabilities	231,035	205,922
Total liabilities	16,562,422	15,251,432
Commitments and Contingencies
Shareholders' Equity
Common stock, without par value Authorized - 75,000,000 shares Issued and outstanding - 45,767,166 shares at December 31, 2024 and 43,242,928 shares at December 31, 2023	240,313	140,365
Retained earnings	1,330,995	1,063,599
Accumulated other comprehensive loss	(133)	(2,488)
Total shareholders' equity	2,243,310	1,701,084
Total liabilities and shareholders' equity	18,805,732	16,952,516
7% Series A Preferred Stock
Shareholders' Equity
Preferred stock		50,221
6% Series B Preferred Stock
Shareholders' Equity
Preferred stock	120,844	120,844
6% Series C Preferred Stock
Shareholders' Equity
Preferred stock	191,084	191,084
8.25% Series D Preferred Stock
Shareholders' Equity
Preferred stock	137,459	$ 137,459
7.625% Series E Preferred Stock
Shareholders' Equity
Preferred stock	$ 222,748