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v3.26.1

Fair Value Measurements - Schedule of Valuation Inputs and Assumptions (Details) $ in Thousands | Jun. 30, 2026 USD ($) | Dec. 31, 2025 USD ($)
--- | --- | ---
Personal loans |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Aggregate amount committed | $ 87,803 | $ 0
Student loans |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Aggregate amount committed | $ 592,540 | $ 437,470
Minimum | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Residual investments | 0.113 | 0.119
Residual interests classified as debt | 0.117 | 0.120
Minimum | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Residual investments | 0.007 | 0.007
Residual interests classified as debt | 0.010 | 0.011
Minimum | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Residual investments | 0.053 | 0.051
Residual interests classified as debt | 0.095 | 0.095
Minimum | Loan funding probability |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
IRLCs | 0.644 | 0.586
Student loan commitments | 0.890 | 0.890
Personal loan commitments | 0.972 |
Minimum | Personal loans | Market servicing costs |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Servicing rights | 0.002 | 0.001
Minimum | Personal loans | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.154 | 0.183
Servicing rights | 0.156 | 0.150
Minimum | Personal loans | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.040 | 0.037
Servicing rights | 0.010 | 0.010
Minimum | Personal loans | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.049 | 0.044
Servicing rights | 0.085 | 0.085
Minimum | Student loans | Market servicing costs |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Servicing rights | 0.001 | 0.001
Minimum | Student loans | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.093 | 0.096
Servicing rights | 0.097 | 0.064
Minimum | Student loans | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.004 | 0.004
Servicing rights | 0.003 | 0.003
Minimum | Student loans | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.041 | 0.037
Servicing rights | 0.085 | 0.085
Minimum | Home loans | Market servicing costs |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Servicing rights | 0.007 | 0.001
Minimum | Home loans | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.082 | 0.062
Servicing rights | 0.044 | 0.047
Minimum | Home loans | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.005 | 0.001
Servicing rights | 0.001 | 0.000
Minimum | Home loans | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.060 | 0.049
Servicing rights | 0.090 | 0.093
Maximum | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Residual investments | 0.367 | 0.365
Residual interests classified as debt | 0.117 | 0.120
Maximum | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Residual investments | 0.091 | 0.086
Residual interests classified as debt | 0.010 | 0.011
Maximum | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Residual investments | 0.300 | 0.300
Residual interests classified as debt | 0.095 | 0.095
Maximum | Loan funding probability |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
IRLCs | 0.780 | 0.756
Student loan commitments | 0.990 | 0.990
Personal loan commitments | 0.994 |
Maximum | Personal loans | Market servicing costs |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Servicing rights | 0.014 | 0.011
Maximum | Personal loans | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.321 | 0.307
Servicing rights | 0.376 | 0.394
Maximum | Personal loans | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.183 | 0.379
Servicing rights | 0.175 | 0.180
Maximum | Personal loans | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.069 | 0.066
Servicing rights | 0.193 | 0.190
Maximum | Student loans | Market servicing costs |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Servicing rights | 0.004 | 0.003
Maximum | Student loans | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.128 | 0.129
Servicing rights | 0.154 | 0.151
Maximum | Student loans | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.068 | 0.064
Servicing rights | 0.037 | 0.037
Maximum | Student loans | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.082 | 0.082
Servicing rights | 0.085 | 0.085
Maximum | Home loans | Market servicing costs |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Servicing rights | 0.009 | 0.002
Maximum | Home loans | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.149 | 0.207
Servicing rights | 0.145 | 0.215
Maximum | Home loans | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.010 | 0.074
Servicing rights | 0.004 | 0.001
Maximum | Home loans | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.061 | 0.085
Servicing rights | 0.128 | 0.100
Weighted Average | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Residual investments | 0.209 | 0.212
Residual interests classified as debt | 0.117 | 0.120
Weighted Average | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Residual investments | 0.038 | 0.035
Residual interests classified as debt | 0.010 | 0.011
Weighted Average | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Residual investments | 0.132 | 0.119
Residual interests classified as debt | 0.095 | 0.095
Weighted Average | Loan funding probability |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
IRLCs | 0.715 | 0.697
Student loan commitments | 0.939 | 0.945
Personal loan commitments | 0.978 |
Weighted Average | Personal loans | Market servicing costs |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Servicing rights | 0.003 | 0.003
Weighted Average | Personal loans | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.258 | 0.269
Servicing rights | 0.249 | 0.243
Weighted Average | Personal loans | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.048 | 0.045
Servicing rights | 0.048 | 0.050
Weighted Average | Personal loans | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.050 | 0.045
Servicing rights | 0.105 | 0.101
Weighted Average | Student loans | Market servicing costs |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Servicing rights | 0.002 | 0.002
Weighted Average | Student loans | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.110 | 0.112
Servicing rights | 0.131 | 0.125
Weighted Average | Student loans | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.007 | 0.007
Servicing rights | 0.010 | 0.009
Weighted Average | Student loans | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.043 | 0.039
Servicing rights | 0.085 | 0.085
Weighted Average | Home loans | Market servicing costs |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Servicing rights | 0.007 | 0.001
Weighted Average | Home loans | Conditional prepayment rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.149 | 0.136
Servicing rights | 0.090 | 0.087
Weighted Average | Home loans | Annual default rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.005 | 0.006
Servicing rights | 0.001 | 0.000
Weighted Average | Home loans | Discount rate |  |
Fair Value Measurement Inputs and Valuation Techniques [Line Items] |  |
Loans | 0.060 | 0.059
Servicing rights | 0.091 | 0.093

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