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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Operating activities:    
Net income $ 120,725 $ 116,994
Adjustments to reconcile net income to net cash provided by operating activities    
Depreciation 2,475 2,229
Provision for credit losses, total 53,690 91,216
Fintech loan credit enhancement income (54,609) (89,101)
Accretion of fees, premiums, and discounts, net (2,368) (1,137)
Stock-based compensation expense 10,052 9,766
Realized gains on commercial loans, at fair value (136) (705)
Gain on sale of fixed assets (38) (7)
(Increase) decrease in accrued interest receivable (252) 1,106
(Increase) decrease in other assets (10,600) 19,127
Increase (decrease) in other liabilities 1,166 (4,425)
Net cash provided by operating activities 120,105 145,063
Investing activities:    
Purchase of investment securities available-for-sale (9,113) (53,071)
Proceeds from redemptions and prepayments of securities available-for-sale 49,068 125,978
Capitalized investment in other real estate owned (540) (1,756)
Sale of repossessed assets 1,269 2,600
Proceeds from sale of other real estate owned 180 0
Net increase in loans (18,655) (505,136)
Credit enhancement agreement cash inflows 55,014 75,028
Proceeds from sale of fixed assets 49 121
Commercial loans, at fair value drawn during the period (133) (2,953)
Payments on commercial loans, at fair value 16,176 41,174
Purchases of premises and equipment (934) (1,272)
Net cash provided by (used in) investing activities 92,381 (319,287)
Financing activities:    
Net (decrease) increase in deposits (689,294) 19,889
Proceeds from short-term borrowings 545,000 0
Repurchases of common stock and excise tax (100,758) (75,523)
Net cash used in financing activities (245,052) (55,634)
Net decrease in cash and cash equivalents (32,566) (229,858)
Cash and cash equivalents, beginning of period 112,649 570,123
Cash and cash equivalents, end of period 80,083 340,265
Supplemental cash flow information:    
Interest paid 83,488 95,231
Transfers (from) to other real estate owned from commercial loans, at fair value, and loans, net 956 2,273
Leased vehicles transferred to repossessed assets $ 1,504 $ 2,395