| Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 |
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| Cash and cash equivalents | 208 | 433 | 235 | 925 | 591 | 240 | 150 | 125 |
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| Restricted cash | - | - | 13 | - | 127 | 2 | 1 | 0 |
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| Short-term investments | - | - | 70 | 132 | 34 | 122 | 42 | - |
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| Accounts Receivable, after Allowance for Credit Loss, Current | 13 | 15 | 19 | 55 | 70 | 55 | 52 | 49 |
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| Loans held for sale | 2 | 5 | 22 | 43 | 36 | 200 | 160 | 152 |
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| Prepaid expenses | 9 | 12 | 15 | 12 | 23 | 35 | 33 | 27 |
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| Other current assets | 4 | 2 | 3 | 5 | 8 | 9 | 7 | 22 |
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| Total current assets | 240 | 496 | 452 | 1,241 | 1,246 | 776 | 445 | 375 |
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| Property and equipment, net | 22 | 25 | 40 | 44 | 59 | 55 | 46 | 41 |
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| Right-of-use assets, net | - | - | 52 | 44 | 54 | 42 | 32 | 24 |
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| Servicing Asset at Fair Value, Amount | - | - | - | - | - | 36 | 32 | 3 |
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| Long-term investments | - | - | 31 | 12 | 55 | 29 | 3 | - |
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| Goodwill | 9 | 9 | - | - | 409 | 461 | 461 | 461 |
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| Intangible assets, net | 3 | 3 | 12 | - | 186 | 162 | 123 | 100 |
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| Other assets, noncurrent | 7 | 9 | 11 | 9 | 13 | 11 | 10 | 8 |
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| Total assets | 282 | 543 | 596 | 1,361 | 2,022 | 1,574 | 1,154 | 1,012 |
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| Accounts payable | 2 | 3 | 2 | 6 | 13 | 12 | 11 | 17 |
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| Accrued and other liabilities | - | - | - | - | 118 | 110 | 90 | 83 |
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| Warehouse credit facilities | 2 | 5 | 21 | 39 | 33 | 191 | 152 | 147 |
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| Convertible Debt, Current | - | - | - | 22 | 23 | 23 | - | 74 |
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| Lease liabilities | - | - | - | - | 15 | 19 | 16 | 13 |
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| Total current liabilities | 36 | 46 | 85 | 186 | 402 | 355 | 268 | 333 |
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| Lease liabilities, noncurrent | - | - | - | - | 55 | 37 | 29 | 20 |
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| Convertible Debt, Noncurrent | - | 114 | 120 | 488 | 1,214 | 1,078 | 689 | 499 |
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| Term loan | - | - | - | - | - | - | 124 | 243 |
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| Deferred tax liabilities | - | - | - | - | 1 | 0 | 0 | 1 |
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| Total liabilities | 47 | 171 | 265 | 730 | 1,672 | 1,470 | 1,111 | 1,095 |
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| Temporary Equity, Carrying Amount, Attributable to Parent | - | - | - | 40 | 40 | 40 | 40 | - |
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| Common Stock, Value, Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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| Additional paid-in capital | 364 | 543 | 583 | 861 | 682 | 758 | 826 | 906 |
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| Accumulated other comprehensive loss | - | - | 0 | 0 | -0 | -1 | -0 | -0 |
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| Accumulated deficit | -129 | -171 | -252 | -270 | -372 | -693 | -823 | -988 |
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| Total stockholders’ (deficit) equity | 235 | 372 | 331 | 591 | 310 | 64 | 3 | -83 |
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| Total liabilities, mezzanine equity, and stockholders’ (deficit) equity | 282 | 543 | 596 | 1,361 | 2,022 | 1,574 | 1,154 | 1,012 |
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