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Fair Value Measurements - Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Dec. 31, 2025
Assets          
Investments in available-for-sale securities, fair value $ 3,993,310   $ 3,993,310   $ 2,454,453
Investment securities 4,225,652   4,225,652   2,575,607
Servicing rights 364,318   364,318   378,178
Liabilities          
Residual interests classified as debt 510   510   520
Fair Value          
Assets          
Total assets 5,061,872   5,061,872   7,173,368
Liabilities          
Debt 4,157,753   4,157,753   3,483,347
Total liabilities 49,755,528   49,755,528   40,990,036
U.S. Treasury securities          
Assets          
Investments in available-for-sale securities, fair value 569,556   569,556   75,356
Agency mortgage-backed securities          
Assets          
Investments in available-for-sale securities, fair value 3,407,063   3,407,063   2,354,606
Corporate bonds          
Assets          
Investments in available-for-sale securities, fair value 93   93   185
Other          
Assets          
Investments in available-for-sale securities, fair value 823   823   833
Asset-backed bonds          
Assets          
Investments in available-for-sale securities, fair value 12,441   12,441   19,703
Residual investments          
Assets          
Investments in available-for-sale securities, fair value 3,334   3,334   3,770
Level 1          
Assets          
Total assets 3,565,559   3,565,559   5,356,773
Liabilities          
Debt 2,183,446   2,183,446   2,997,347
Total liabilities 2,183,446   2,183,446   2,997,347
Level 2          
Assets          
Total assets 149,668   149,668   146,204
Liabilities          
Debt 1,974,307   1,974,307   486,000
Total liabilities 47,572,082   47,572,082   37,992,689
Level 3          
Assets          
Total assets 1,346,645   1,346,645   1,670,391
Liabilities          
Debt 0   0   0
Total liabilities 0   0   0
Fair Value, Recurring          
Liabilities          
Unpaid principal related to debt measured at fair value 50,051   50,051   56,255
Gains (losses) from changes in fair value in debt 0 $ 0 0 $ 0  
Fair Value, Recurring | Fair Value          
Assets          
Investment securities 4,225,652   4,225,652   2,575,607
Loans at fair value 46,602,012   46,602,012   36,403,361
Servicing rights 364,318   364,318   378,178
Total assets 51,464,520   51,464,520   39,458,019
Liabilities          
Debt 48,111   48,111   54,107
Residual interests classified as debt 510   510   520
Derivative liabilities 10,242   10,242   4,680
Total liabilities 58,863   58,863   59,307
Fair Value, Recurring | Fair Value | Third party warrants          
Assets          
Derivative assets 540   540   540
Fair Value, Recurring | Fair Value | Derivative assets          
Assets          
Derivative assets 228,649   228,649   61,583
Fair Value, Recurring | Fair Value | IRLCs          
Assets          
Derivative assets 11,077   11,077   9,971
Fair Value, Recurring | U.S. Treasury securities | Fair Value          
Assets          
Investments in available-for-sale securities, fair value 569,556   569,556   75,356
Fair Value, Recurring | Agency mortgage-backed securities | Fair Value          
Assets          
Investments in available-for-sale securities, fair value 3,407,063   3,407,063   2,354,606
Fair Value, Recurring | Corporate bonds | Fair Value          
Assets          
Investments in available-for-sale securities, fair value 93   93   185
Fair Value, Recurring | Other | Fair Value          
Assets          
Investments in available-for-sale securities, fair value 823   823   833
Fair Value, Recurring | Asset-backed bonds | Fair Value          
Assets          
Asset-backed bonds and residual investments 204,491   204,491   113,272
Fair Value, Recurring | Residual investments | Fair Value          
Assets          
Asset-backed bonds and residual investments 43,626   43,626   31,355
Fair Value, Recurring | Student loan commitments | Fair Value          
Assets          
Student loan commitments 23,549   23,549   28,779
Fair Value, Recurring | Personal loan commitments | Fair Value          
Assets          
Student loan commitments 8,723   8,723   0
Fair Value, Recurring | Level 1          
Assets          
Investment securities 569,556   569,556   75,356
Loans at fair value 0   0   0
Servicing rights 0   0   0
Total assets 569,556   569,556   75,356
Liabilities          
Debt 0   0   0
Residual interests classified as debt 0   0   0
Derivative liabilities 0   0   0
Total liabilities 0   0   0
Fair Value, Recurring | Level 1 | Third party warrants          
Assets          
Derivative assets 0   0   0
Fair Value, Recurring | Level 1 | Derivative assets          
Assets          
Derivative assets 0   0   0
Fair Value, Recurring | Level 1 | IRLCs          
Assets          
Derivative assets 0   0   0
Fair Value, Recurring | Level 1 | U.S. Treasury securities          
Assets          
Investments in available-for-sale securities, fair value 569,556   569,556   75,356
Fair Value, Recurring | Level 1 | Agency mortgage-backed securities          
Assets          
Investments in available-for-sale securities, fair value 0   0   0
Fair Value, Recurring | Level 1 | Corporate bonds          
Assets          
Investments in available-for-sale securities, fair value 0   0   0
Fair Value, Recurring | Level 1 | Other          
Assets          
Investments in available-for-sale securities, fair value 0   0   0
Fair Value, Recurring | Level 1 | Asset-backed bonds          
Assets          
Asset-backed bonds and residual investments 0   0   0
Fair Value, Recurring | Level 1 | Residual investments          
Assets          
Asset-backed bonds and residual investments 0   0   0
Fair Value, Recurring | Level 1 | Student loan commitments          
Assets          
Student loan commitments 0   0   0
Fair Value, Recurring | Level 1 | Personal loan commitments          
Assets          
Student loan commitments 0   0   0
Fair Value, Recurring | Level 2          
Assets          
Investment securities 3,612,470   3,612,470   2,468,896
Loans at fair value 403,647   403,647   204,133
Servicing rights 0   0   0
Total assets 4,244,766   4,244,766   2,734,612
Liabilities          
Debt 48,111   48,111   54,107
Residual interests classified as debt 0   0   0
Derivative liabilities 10,242   10,242   4,680
Total liabilities 58,353   58,353   58,787
Fair Value, Recurring | Level 2 | Third party warrants          
Assets          
Derivative assets 0   0   0
Fair Value, Recurring | Level 2 | Derivative assets          
Assets          
Derivative assets 228,649   228,649   61,583
Fair Value, Recurring | Level 2 | IRLCs          
Assets          
Derivative assets 0   0   0
Fair Value, Recurring | Level 2 | U.S. Treasury securities          
Assets          
Investments in available-for-sale securities, fair value 0   0   0
Fair Value, Recurring | Level 2 | Agency mortgage-backed securities          
Assets          
Investments in available-for-sale securities, fair value 3,407,063   3,407,063   2,354,606
Fair Value, Recurring | Level 2 | Corporate bonds          
Assets          
Investments in available-for-sale securities, fair value 93   93   185
Fair Value, Recurring | Level 2 | Other          
Assets          
Investments in available-for-sale securities, fair value 823   823   833
Fair Value, Recurring | Level 2 | Asset-backed bonds          
Assets          
Asset-backed bonds and residual investments 204,491   204,491   113,272
Fair Value, Recurring | Level 2 | Residual investments          
Assets          
Asset-backed bonds and residual investments 0   0   0
Fair Value, Recurring | Level 2 | Student loan commitments          
Assets          
Student loan commitments 0   0   0
Fair Value, Recurring | Level 2 | Personal loan commitments          
Assets          
Student loan commitments 0   0   0
Fair Value, Recurring | Level 3          
Assets          
Investment securities 43,626   43,626   31,355
Loans at fair value 46,198,365   46,198,365   36,199,228
Servicing rights 364,318   364,318   378,178
Total assets 46,650,198   46,650,198   36,648,051
Liabilities          
Debt 0   0   0
Residual interests classified as debt 510   510   520
Derivative liabilities 0   0   0
Total liabilities 510   510   520
Fair Value, Recurring | Level 3 | Third party warrants          
Assets          
Derivative assets 540   540   540
Fair Value, Recurring | Level 3 | Derivative assets          
Assets          
Derivative assets 0   0   0
Fair Value, Recurring | Level 3 | IRLCs          
Assets          
Derivative assets 11,077   11,077   9,971
Fair Value, Recurring | Level 3 | U.S. Treasury securities          
Assets          
Investments in available-for-sale securities, fair value 0   0   0
Fair Value, Recurring | Level 3 | Agency mortgage-backed securities          
Assets          
Investments in available-for-sale securities, fair value 0   0   0
Fair Value, Recurring | Level 3 | Corporate bonds          
Assets          
Investments in available-for-sale securities, fair value 0   0   0
Fair Value, Recurring | Level 3 | Other          
Assets          
Investments in available-for-sale securities, fair value 0   0   0
Fair Value, Recurring | Level 3 | Asset-backed bonds          
Assets          
Asset-backed bonds and residual investments 0   0   0
Fair Value, Recurring | Level 3 | Residual investments          
Assets          
Asset-backed bonds and residual investments 43,626   43,626   31,355
Fair Value, Recurring | Level 3 | Student loan commitments          
Assets          
Student loan commitments 23,549   23,549   28,779
Fair Value, Recurring | Level 3 | Personal loan commitments          
Assets          
Student loan commitments $ 8,723   $ 8,723   $ 0