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Fair Value Measurements - Schedule of Changes in Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2026 | Jun. 30, 2025 | Jun. 30, 2026 | Jun. 30, 2025
Liabilities |  |  |  |
Net impact on earnings | $ (270,990) | $ 88,807 | $ (451,585) | $ 160,679
Elective repurchases | 0 | 604,800 | 0 | 804,800
Securitization clean-up calls | 0 | 94,100 | 86,700 | 94,100
Residual interests classified as debt |  |  |  |
Liabilities |  |  |  |
Fair value at beginning of period | (517) | (579) | (520) | (609)
Impact on Earnings | (16) | (12) | (43) | (47)
Purchases | 0 | 0 | 0 | 0
Sales | 0 | 0 | 0 | 0
Issuances | 0 | 0 | 0 | 0
Settlements | 23 | 37 | 53 | 102
Other Changes | 0 | 0 | 0 | 0
Fair value at end of period | (510) | (554) | (510) | (554)
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | (16) | (12) | (43) | (47)
Loans at fair value |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 40,342,220 | 27,709,465 | 36,199,228 | 26,215,332
Impact on Earnings | (308,216) | 93,881 | (490,119) | 155,505
Purchases | 3,560 | 700,933 | 93,009 | 903,900
Sales | (13,599) | (556,484) | (26,851) | (1,751,888)
Issuances | 10,792,941 | 5,770,491 | 19,120,777 | 11,114,855
Settlements | (4,645,956) | (3,113,631) | (8,734,534) | (6,033,335)
Other Changes | 27,415 | 284 | 36,855 | 570
Fair value at end of period | 46,198,365 | 30,604,939 | 46,198,365 | 30,604,939
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | (81,453) | 387,426 | 167,168 | 670,139
Personal Loans |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 23,682,421 | 17,869,230 | 21,540,668 | 17,532,396
Impact on Earnings | (247,108) | (10,430) | (449,565) | (83,855)
Purchases | 3,560 | 2,032 | 6,134 | 4,930
Sales | (13,599) | (290,015) | (26,851) | (1,485,419)
Issuances | 7,629,592 | 4,519,171 | 13,006,590 | 8,496,841
Settlements | (3,558,039) | (2,486,773) | (6,573,195) | (4,859,930)
Other Changes | 8,463 | 722 | 1,509 | (1,026)
Fair value at end of period | 27,505,290 | 19,603,937 | 27,505,290 | 19,603,937
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | (55,567) | 248,752 | 120,388 | 391,223
Student Loans |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 15,336,820 | 9,571,457 | 13,657,578 | 8,597,368
Impact on Earnings | (79,786) | 100,161 | (74,372) | 225,930
Purchases | 0 | 698,901 | 86,875 | 898,970
Sales | 0 | 0 | 0 | 0
Issuances | 2,686,760 | 993,326 | 5,300,468 | 2,184,789
Settlements | (1,039,179) | (621,766) | (2,082,429) | (1,167,012)
Other Changes | 15,949 | (438) | 32,444 | 1,596
Fair value at end of period | 16,920,564 | 10,741,641 | 16,920,564 | 10,741,641
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | (45,260) | 125,767 | 13,329 | 264,476
Home Loans |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 1,322,979 | 268,778 | 1,000,982 | 85,568
Impact on Earnings | 18,678 | 4,150 | 33,818 | 13,430
Purchases | 0 | 0 | 0 | 0
Sales | 0 | (266,469) | 0 | (266,469)
Issuances | 476,589 | 257,994 | 813,719 | 433,225
Settlements | (48,738) | (5,092) | (78,910) | (6,393)
Other Changes | 3,003 | 0 | 2,902 | 0
Fair value at end of period | 1,772,511 | 259,361 | 1,772,511 | 259,361
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | 19,374 | 12,907 | 33,451 | 14,440
Servicing rights |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 367,902 | 389,780 | 378,178 | 342,128
Impact on Earnings | 5,696 | (16,925) | 3,816 | (15,851)
Purchases | 2,989 | 3,573 | 5,044 | 7,210
Sales | 0 | (5,841) | 0 | (7,781)
Issuances | 36,435 | 40,323 | 70,883 | 129,254
Settlements | (48,704) | (35,904) | (93,603) | (79,954)
Other Changes | 0 | 0 | 0 | 0
Fair value at end of period | 364,318 | 375,006 | 364,318 | 375,006
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | 5,695 | (16,925) | 4,218 | (15,851)
Residual investments |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 37,617 | 28,730 | 31,355 | 25,394
Impact on Earnings | 757 | 671 | 933 | 1,335
Purchases | 7,499 | 3,827 | 15,901 | 8,082
Sales | (520) | (313) | (520) | (313)
Issuances | 0 | 0 | 0 | 0
Settlements | (1,727) | (1,685) | (4,043) | (3,268)
Other Changes | 0 | 0 | 0 | 0
Fair value at end of period | 43,626 | 31,230 | 43,626 | 31,230
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | 624 | 671 | 800 | 1,335
IRLCs |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 7,561 | 8,074 | 9,971 | 1,227
Impact on Earnings | 8,993 | 10,054 | 7,402 | 18,128
Purchases | 0 | 0 | 0 | 0
Sales | 0 | 0 | 0 | 0
Issuances | 0 | 0 | 0 | 0
Settlements | (5,477) | (8,074) | (6,296) | (9,301)
Other Changes | 0 | 0 | 0 | 0
Fair value at end of period | 11,077 | 10,054 | 11,077 | 10,054
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | 11,077 | 10,054 | 11,077 | 10,054
Student loan commitments |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 19,270 | 471 | 28,779 | 6,042
Impact on Earnings | 16,766 | 1,138 | 17,703 | 1,609
Purchases | 0 | 0 | 0 | 0
Sales | 0 | 0 | 0 | 0
Issuances | 0 | 0 | 0 | 0
Settlements | (12,487) | (471) | (22,933) | (6,513)
Other Changes | 0 | 0 | 0 | 0
Fair value at end of period | 23,549 | 1,138 | 23,549 | 1,138
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | 23,549 | 1,138 | 23,549 | 1,138
Personal loan commitments |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 9,034 |  | 0 |
Impact on Earnings | 5,030 |  | 8,723 |
Purchases | 0 |  | 0 |
Sales | 0 |  | 0 |
Issuances | 0 |  | 0 |
Settlements | (5,341) |  | 0 |
Other Changes | 0 |  | 0 |
Fair value at end of period | 8,723 |  | 8,723 |
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | 8,723 |  | 8,723 |
Third party warrants |  |  |  |
Assets |  |  |  |
Fair value at beginning of period | 540 | 540 | 540 | 540
Impact on Earnings | 0 | 0 | 0 | 0
Purchases | 0 | 0 | 0 | 0
Sales | 0 | 0 | 0 | 0
Issuances | 0 | 0 | 0 | 0
Settlements | 0 | 0 | 0 | 0
Other Changes | 0 | 0 | 0 | 0
Fair value at end of period | 540 | 540 | 540 | 540
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end | $ 0 | $ 0 | $ 0 | $ 0

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