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Condensed Consolidated Statements of Operations and Comprehensive Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Interest income        
Loans and securitizations $ 1,067,894 $ 738,862 $ 2,000,078 $ 1,451,738
Other 72,634 53,543 141,446 104,479
Total interest income 1,140,528 792,405 2,141,524 1,556,217
Interest expense        
Securitizations and warehouses 18,779 29,650 28,830 57,794
Deposits 320,463 233,232 607,692 458,631
Corporate borrowings 10,675 11,504 21,326 22,932
Other 2,416 182 2,493 297
Total interest expense 352,333 274,568 660,341 539,654
Net interest income 788,195 517,837 1,481,183 1,016,563
Noninterest income        
Loan origination, sales, securitizations and servicing 150,407 70,855 292,616 123,660
Technology products and solutions 52,459 90,796 101,810 177,233
Loan platform fees 140,930 127,405 279,185 220,155
Crypto transaction revenue 134,267 0 255,860 0
Cost of crypto transaction revenue (133,084) 0 (253,825) 0
Net crypto transaction revenue 1,183 0 2,035 0
Other 85,502 48,051 162,215 89,092
Total noninterest income 430,481 337,107 837,861 610,140
Total net revenue 1,218,676 854,944 2,319,044 1,626,703
Provision for credit losses 13,755 10,035 22,650 15,713
Noninterest expense        
Technology and product development 191,276 152,146 378,951 308,352
Sales and marketing 392,397 264,744 727,936 502,920
Cost of operations 200,139 150,437 371,262 285,957
General and administrative 216,800 165,390 414,384 321,787
Total noninterest expense 1,000,612 732,717 1,892,533 1,419,016
Income before income taxes 204,309 112,192 403,861 191,974
Income tax expense (47,717) (14,929) (80,538) (23,595)
Net income 156,592 97,263 323,323 168,379
Other comprehensive income        
Unrealized gains (losses) on available-for-sale securities, net (9,306) 1,328 (22,254) 12,790
Foreign currency translation adjustments, net 68 (563) (706) (832)
Total other comprehensive income (loss) (9,238) 765 (22,960) 11,958
Comprehensive income $ 147,354 $ 98,028 $ 300,363 $ 180,337
Earnings per share (Note 16)        
Earnings per share - basic (in dollars per share) $ 0.12 $ 0.09 $ 0.25 $ 0.15
Earnings per share - diluted (in dollars per share) $ 0.12 $ 0.08 $ 0.24 $ 0.14
Weighted average common stock outstanding - basic (in shares) 1,284,303,000 1,107,006,000 1,280,338,000 1,102,525,000
Weighted average common stock outstanding - diluted (in shares) 1,351,990,000 1,182,877,000 1,364,978,000 1,184,197,000