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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