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Fair Value Measurement (Tables) | 6 Months Ended
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Jun. 30, 2025
Fair Value Disclosures [Abstract] |
Schedule of Assets and Liabilities Measured at Fair Value | The following table presents assets and liabilities measured at fair value and categorized in accordance with the fair value hierarchy:
|  |  |  | December 31, |  | June 30,
|  | Level |  | 2024 |  | 2025
Assets |  |  |  |  |  |
Loans |  | 3 |  | $ | 806,304 |  |  | $ | 1,019,504 |
Beneficial interest assets |  | 3 |  | 176,848 |  |  | 266,761 |
Line of credit receivable |  | 3 |  | 56,269 |  |  | 107,456 |
Loan servicing assets |  | 3 |  | 27,439 |  |  | 32,443 |
Notes receivable and residual certificates |  | 3 |  | 22,055 |  |  | 54,708 |
Interest rate caps(1) |  | 2 |  | 1,864 |  |  | 493 |
Total assets |  |  |  | $ | 1,090,779 |  |  | $ | 1,481,365 |
Liabilities |  |  |  |  |  |
Payable to securitization note holders |  | 3 |  | $ | 87,321 |  |  | $ | 65,152 |
Trailing fee liabilities |  | 3 |  | 4,614 |  |  | 4,958 |
Beneficial interest liabilities |  | 3 |  | 10,089 |  |  | 10,532 |
Loan servicing liabilities |  | 3 |  | 1,180 |  |  | 1,750 |
Total liabilities |  |  |  | $ | 103,204 |  |  | $ | 82,392 |
__________ (1) The fair value of interest rate caps is determined based on the present value of the estimated future cash flows over the contract term using observable market-based inputs as of the valuation date, including implied interest rates.
Schedule of Fair Value by Classes of Loans Held by the Company | The following table presents the fair value of classes of loans included in the Company’s condensed consolidated balance sheets as of December 31, 2024 and June 30, 2025:
|  | December 31, |  | June 30,
|  | 2024 |  | 2025
Loans held-for-sale |  | $ | 405,812 |  |  | $ | 445,787 |
Loans held-for-investment |  | 297,543 |  |  | 497,867 |
Loans held in consolidated securitization |  | 102,949 |  |  | 75,850 |
Total |  | $ | 806,304 |  |  | $ | 1,019,504 |
Schedule of Significant Unobservable Inputs | The following table presents quantitative information about the significant unobservable inputs used for the Company’s Level 3 fair value measurements for loans held-for-investment and held-for-sale, excluding loans held in consolidated securitization:
|  | December 31, 2024 |  | June 30, 2025
|  | Minimum |  | Maximum |  | Weighted-Average (1) |  | Minimum |  | Maximum |  | Weighted-Average (1)
Discount rate |  | 9.75 | % |  | 22.37 | % |  | 11.91 | % |  | 5.22 | % |  | 15.08 | % |  | 9.78 | %
Credit risk rate |  | 0.01 | % |  | 93.12 | % |  | 17.87 | % |  | 0.01 | % |  | 91.50 | % |  | 13.50 | %
Prepayment rate |  | 0.45 | % |  | 89.07 | % |  | 33.07 | % |  | 0.45 | % |  | 95.25 | % |  | 34.76 | %
_________ (1) Unobservable inputs were weighted by relative fair value. The following table presents quantitative information about the significant unobservable inputs implied for the Company’s Level 3 fair value measurements for loans held in consolidated securitization, which is determined by the sum of the fair value of the related securitization notes and residual certificates, and corroborated with a discounted cash flow model, similar to the one used for other loans held on the condensed consolidated balance sheet:
|  | December 31, 2024 |  | June 30, 2025
|  | Minimum |  | Maximum |  | Weighted-Average (1) |  | Minimum |  | Maximum |  | Weighted-Average (1)
Discount rate |  | 5.96 | % |  | 15.25 | % |  | 9.59 | % |  | 5.82 | % |  | 15.25 | % |  | 10.19 | %
Credit risk rate |  | 0.67 | % |  | 37.70 | % |  | 15.66 | % |  | 0.67 | % |  | 37.70 | % |  | 15.86 | %
Prepayment rate |  | 6.73 | % |  | 89.84 | % |  | 41.51 | % |  | 6.73 | % |  | 89.84 | % |  | 40.91 | %
_________ (1) Unobservable inputs were weighted by relative fair value. The following table presents quantitative information about the significant unobservable inputs used for the Company’s Level 3 fair value measurements related to the line of credit receivable:
|  | December 31, 2024 |  | June 30, 2025
|  | Minimum |  | Maximum |  | Weighted-Average |  | Minimum |  | Maximum |  | Weighted-Average
Discount rate |  | 6.75% |  | 6.75% |  | 6.75% |  | 6.75 | % |  | 6.75 | % |  | 6.75 | %
The following table presents quantitative information about the significant unobservable inputs used for the Company’s Level 3 fair value measurements related to note receivable, residual certificates, and payable to securitization note holders:
|  | December 31, 2024 |  | June 30, 2025
|  | Minimum |  | Maximum |  | Weighted-Average (1) |  | Minimum |  | Maximum |  | Weighted-Average (1)
Notes receivable and residual certificates |  |  |  |  |  |  |  |  |  |  |  |
Discount rate |  | 9.60 | % |  | 22.37 | % |  | 12.59 | % |  | 6.72 | % |  | 13.08 | % |  | 11.84 | %
Credit risk rate |  | 0.54 | % |  | 50.28 | % |  | 19.00 | % |  | 0.43 | % |  | 50.28 | % |  | 20.41 | %
Prepayment rate |  | 4.61 | % |  | 94.53 | % |  | 35.72 | % |  | 4.11 | % |  | 95.77 | % |  | 32.44 | %
Payable to securitization note holders |  |  |  |  |  |  |  |  |  |  |  |
Discount rate |  | 5.96 | % |  | 10.98 | % |  | 8.52 | % |  | 5.82 | % |  | 10.81 | % |  | 9.29 | %
Credit risk rate |  | 0.67 | % |  | 37.70 | % |  | 15.66 | % |  | 0.67 | % |  | 37.70 | % |  | 15.86 | %
Prepayment rate |  | 6.73 | % |  | 89.84 | % |  | 41.51 | % |  | 6.73 | % |  | 89.84 | % |  | 40.91 | %
_________ (1)Unobservable inputs were weighted by relative fair value. The following table presents quantitative information about the significant unobservable inputs used for the Company’s fair value measurements of beneficial interests as of December 31, 2024 and June 30, 2025:
|  | December 31, 2024 |  | June 30, 2025
|  | Minimum |  | Maximum |  | Weighted-Average(1) |  | Minimum |  | Maximum |  | Weighted-Average(1)
Beneficial interest assets |  |  |  |  |  |  |  |  |  |  |  |
Discount rate |  | 6.75 | % |  | 13.75 | % |  | 13.53 | % |  | 6.75 | % |  | 13.75 | % |  | 13.38 | %
Credit risk rate spread(2) |  | (4.00) | % |  | 12.60 | % |  | 1.32 | % |  | (6.65) | % |  | 9.40 | % |  | 0.71 | %
Beneficial interest liabilities |  |  |  |  |  |  |  |  |  |  |  |
Discount rate |  | 13.75 | % |  | 13.75 | % |  | 13.75 | % |  | 13.75 | % |  | 13.75 | % |  | 13.75 | %
Credit risk rate spread(2) |  | (0.24) | % |  | 18.68 | % |  | 9.78 | % |  | (3.29) | % |  | 7.90 | % |  | 2.67 | %
_________ (1) Unobservable inputs were weighted by relative fair value. (2) Expressed as a percentage of cumulative net loss expectations as of the valuation date compared to the initial expectations as of the origination date or date of loan sale. The following table presents quantitative information about the significant unobservable inputs used for the Company’s Level 3 fair value measurements for trailing fee liabilities:
|  | December 31, 2024 |  | June 30, 2025
|  | Minimum |  | Maximum |  | Weighted-Average (1) |  | Minimum |  | Maximum |  | Weighted-Average (1)
Discount rate |  | 9.55 | % |  | 22.37 | % |  | 12.54 | % |  | 5.22 | % |  | 15.08 | % |  | 11.34 | %
Credit risk rate |  | 0.02 | % |  | 88.53 | % |  | 18.97 | % |  | 0.03 | % |  | 67.59 | % |  | 19.33 | %
Prepayment rate |  | 1.51 | % |  | 95.80 | % |  | 35.50 | % |  | 1.52 | % |  | 95.96 | % |  | 34.34 | %
_________ (1) Unobservable inputs were weighted by relative fair value.
Schedule of Sensitivity Analysis of Fair Value | The following table presents the sensitivity of the fair value of loans held-for-sale and held-for-investment, excluding the loans in consolidated securitization, to adverse changes in key assumptions used in the valuation model as of December 31, 2024 and June 30, 2025:
|  | December 31, |  | June 30,
|  | 2024 |  | 2025
Fair value of loans held-for-sale and held-for-investment |  | $ | 703,355 |  |  | $ | 943,654 |
Discount rates |  |  |  |
100 basis point increase |  | (9,048) |  |  | (11,755) |
200 basis point increase |  | (17,881) |  |  | (23,060) |
Expected credit loss rates on underlying loans |  |  |  |
10% adverse change |  | (9,135) |  |  | (9,675) |
20% adverse change |  | (18,129) |  |  | (19,001) |
Expected prepayment rates |  |  |  |
10% adverse change |  | (1,899) |  |  | *
20% adverse change |  | (3,783) |  |  | *
_________ * Immaterial The table below presents the fair value sensitivity of loans in consolidated securitization to adverse changes in key assumptions. The fair value of loans in consolidated securitization is not sensitive to adverse changes in discount rates and prepayment rates as such changes do not result in a material impact on the fair value as of December 31, 2024 and June 30, 2025.
|  | December 31, |  | June 30,
|  | 2024 |  | 2025
Fair value of loans held in consolidated securitization |  | $ | 102,949 |  |  | $ | 75,850 |
Expected credit loss rates on underlying loans |  |  |  |
10% adverse change |  | (1,799) |  |  | *
20% adverse change |  | (3,577) |  |  | *
_________ * Immaterial The following table presents the sensitivity of beneficial interest assets and liabilities to adverse changes in key assumptions used in the valuation model as of December 31, 2024 and June 30, 2025. Adverse changes in discount rates do not result in a material impact to the fair value of beneficial interest liabilities as of December 31, 2024 and June 30, 2025. Significant Recurring Level 3 Fair Value Input Sensitivity
|  | December 31, |  | June 30,
|  | 2024 |  | 2025
Fair value of beneficial interest assets |  | $ | 176,848 |  |  | $ | 266,761 |
Discount rate |  |  |  |
100 basis point increase |  | (3,247) |  |  | (3,840) |
200 basis point increase |  | (6,384) |  |  | (7,559) |
Expected credit risk rate spreads on underlying loans |  |  |  |
10% adverse change |  | (44,356) |  |  | (58,065) |
20% adverse change |  | (89,605) |  |  | (115,145) |
Fair value of beneficial interest liabilities |  | $ | 10,089 |  |  | $ | 10,532 |
Expected credit risk rate spreads on underlying loans |  |  |  |
10% adverse change |  | 4,720 |  |  | 23,371 |
20% adverse change |  | 10,259 |  |  | 46,370 |
Schedule of Rollforward of Level 3 Assets | The following tables include a rollforward of the loans classified within Level 3 of the fair value hierarchy:
| Loans Held-for-Sale |  | Loans Held-for-Investment |  | Loans Held in Consolidated Securitization |  |  |  | Total |  |
Fair value at March 31, 2024 | $ | 763,314 |  |  | $ | 160,229 |  |  | $ | 157,322 |  |  |  |  | $ | 1,080,865 |  |  |
Reclassification of loans(1) | (3,189) |  |  | 3,189 |  |  |  |  |  |  | — |  |  |
Purchases and originations of loans(1) | 504,582 |  |  | 64,789 |  |  | — |  |  |  |  | 569,371 |  |  |
Sale of loans(1) | (672,325) |  |  | — |  |  | — |  |  |  |  | (672,325) |  |  |
Purchase of loans for immediate resale(1) | 268,888 |  |  | — |  |  | — |  |  |  |  | 268,888 |  |  |
Immediate resale of loans(1) | (268,888) |  |  | — |  |  | — |  |  |  |  | (268,888) |  |  |
Repayments received(1) | (64,665) |  |  | (30,794) |  |  | (12,376) |  |  |  |  | (107,835) |  |  |
Charge-offs and changes in fair value recorded in earnings | (26,433) |  |  | (13,342) |  |  | (9,826) |  |  |  |  | (49,601) |  |  |
Other changes | (3,362) |  |  | 3,515 |  |  | — |  |  |  |  | 153 |  |  |
Fair value at June 30, 2024 | $ | 497,922 |  |  | $ | 187,586 |  |  | $ | 135,120 |  |  |  |  | $ | 820,628 |  |  |
_________ (1) Represents the principal balance.
|  | Loans Held-for-Sale |  | Loans Held-for-Investment |  | Loans Held in Consolidated Securitization |  | Total
Fair value at December 31, 2023 |  | $ | 830,574 |  |  | $ | 146,768 |  |  | $ | 179,071 |  |  | $ | 1,156,413 |
Reclassification of loans(1) |  | (3,189) |  |  | 3,189 |  |  | — |  |  | — |
Purchases and originations of loans(1)(2) |  | 1,083,668 |  |  | 110,941 |  |  | — |  |  | 1,194,609 |
Sale of loans(1) |  | (1,235,663) |  |  | — |  |  | — |  |  | (1,235,663) |
Purchase of loans for immediate resale(1) |  | 486,345 |  |  | — |  |  | — |  |  | 486,345 |
Immediate resale of loans(1) |  | (486,345) |  |  | — |  |  | — |  |  | (486,345) |
Repayments received(1) |  | (119,973) |  |  | (55,569) |  |  | (24,714) |  |  | (200,256) |
Charge-offs and changes in fair value recorded in earnings |  | (52,673) |  |  | (23,603) |  |  | (19,237) |  |  | (95,513) |
Other changes |  | (4,822) |  |  | 5,860 |  |  | — |  |  | 1,038 |
Fair value at June 30, 2024 |  | $ | 497,922 |  |  | $ | 187,586 |  |  | $ | 135,120 |  |  | $ | 820,628 |
_________ (1) Represents the principal balance. (2) Purchase activity includes an immaterial unpaid principal balance related to securitization clean-up calls during the six months ended June 30, 2024.
|  |  | Loans Held-for-Sale |  | Loans Held-for-Investment |  | Loans Held in Consolidated Securitization |  | Total
Fair value at March 31, 2025 |  |  | $ | 347,749 |  |  | $ | 378,012 |  |  | $ | 88,916 |  |  | $ | 814,677 |
Purchases and originations of loans (1) |  |  | 701,155 |  |  | 228,015 |  |  | — |  |  | 929,170 |
Sale of loans(1) |  |  | (548,007) |  |  | (18,070) |  |  | — |  |  | (566,077) |
Purchase of loans for immediate resale(1) |  |  | 1,933,901 |  |  | — |  |  | — |  |  | 1,933,901 |
Immediate resale of loans(1) |  |  | (1,933,901) |  |  | — |  |  | — |  |  | (1,933,901) |
Repayments received(1) |  |  | (46,398) |  |  | (71,013) |  |  | (9,652) |  |  | (127,063) |
Charge-offs and changes in fair value recorded in earnings |  |  | (8,961) |  |  | (30,429) |  |  | (3,414) |  |  | (42,804) |
Other changes |  |  | 249 |  |  | 11,352 |  |  | — |  |  | 11,601 |
Fair value at June 30, 2025 |  |  | $ | 445,787 |  |  | $ | 497,867 |  |  | $ | 75,850 |  |  | $ | 1,019,504 |
_________ (1) Represents the principal balance.
|  | Loans Held-for-Sale |  | Loans Held-for-Investment |  | Loans Held in Consolidated Securitization |  | Total
Fair value at December 31, 2024 |  | $ | 405,812 |  |  | $ | 297,543 |  |  | $ | 102,949 |  |  | $ | 806,304 |
Purchases and originations of loans (1) |  | 1,271,809 |  |  | 377,898 |  |  | — |  |  | 1,649,707 |
Sale of loans(1) |  | (1,119,703) |  |  | (19,688) |  |  | — |  |  | (1,139,391) |
Purchase of loans for immediate resale(1) |  | 2,708,533 |  |  | — |  |  | — |  |  | 2,708,533 |
Immediate resale of loans(1) |  | (2,708,533) |  |  | — |  |  | — |  |  | (2,708,533) |
Repayments received(1) |  | (86,302) |  |  | (126,778) |  |  | (19,932) |  |  | (233,012) |
Charge-offs and changes in fair value recorded in earnings |  | (24,683) |  |  | (51,402) |  |  | (7,167) |  |  | (83,252) |
Other changes |  | (1,146) |  |  | 20,294 |  |  | — |  |  | 19,148 |
Fair value at June 30, 2025 |  | $ | 445,787 |  |  | $ | 497,867 |  |  | $ | 75,850 |  |  | $ | 1,019,504 |
_________ (1) Represents the principal balance. The following tables present a rollforward of the line of credit receivable classified by the Company within Level 3 of the fair value hierarchy:
|  | Line of Credit Receivable
Fair value at March 31, 2024 |  | $ | — |
Issuances |  | 8,261 |
Changes in fair value recorded in earnings |  | 44 |
Fair value at June 30, 2024 |  | $ | 8,305 |
|  | Line of Credit Receivable
Fair value at December 31, 2023 |  | $ | — |
Issuances |  | 8,261 |
Changes in fair value recorded in earnings |  | 44 |
Fair value at June 30, 2024 |  | $ | 8,305 |
|  | Line of Credit Receivable
Fair value at March 31, 2025 |  | $ | 81,780 |
Issuances |  | 24,983 |
Changes in fair value recorded in earnings |  | 563 |
Changes in accrued interest |  | 130 |
Fair value at June 30, 2025 |  | $ | 107,456 |
|  | Line of Credit Receivable
Fair value at December 31, 2024 |  | $ | 56,269 |
Issuances |  | 49,839 |
Changes in fair value recorded in earnings |  | 1,063 |
Changes in accrued interest |  | 285 |
Fair value at June 30, 2025 |  | $ | 107,456 |
The following tables include a rollforward of the notes receivable and residual certificates and payables to securitization note holders related to securitization transactions classified by the Company within Level 3 of the fair value hierarchy:
|  | Notes Receivable and Residual Certificates |  | Payable to Securitization Note Holders |  |
Fair value at March 31, 2024 |  | $ | 13,376 |  |  | $ | 129,092 |  |  |
Repayments and settlements |  | (1,456) |  |  | (14,882) |  |  |
Changes in fair value recorded in earnings |  | (278) |  |  | (558) |  |  |
Fair value at June 30, 2024 |  | $ | 11,642 |  |  | $ | 113,652 |  |  |
|  | Notes Receivable and Residual Certificates |  | Payable to Securitization Note Holders |  |
Fair value at December 31, 2023 |  | $ | 14,847 |  |  | $ | 141,416 |  |  |
Repayments and settlements |  | (2,681) |  |  | (28,446) |  |  |
Changes in fair value recorded in earnings |  | (524) |  |  | 682 |  |  |
Fair value at June 30, 2024 |  | $ | 11,642 |  |  | $ | 113,652 |  |  |
|  | Notes Receivable and Residual Certificates |  | Payable to Securitization Note Holders |  |
Fair value at March 31, 2025 |  | $ | 19,471 |  |  | $ | 75,904 |  |  |
Additions |  | 38,355 |  |  | — |  |  |
Repayments and settlements |  | (3,836) |  |  | (10,577) |  |  |
Changes in fair value recorded in earnings |  | 718 |  |  | (175) |  |  |
Fair value at June 30, 2025 |  | $ | 54,708 |  |  | $ | 65,152 |  |  |
|  | Notes Receivable and Residual Certificates |  | Payable to Securitization Note Holders |  |
Fair value at December 31, 2024 |  | $ | 22,055 |  |  | $ | 87,321 |  |  |
Additions |  | 38,355 |  |  | — |  |  |
Repayments and settlements |  | (6,521) |  |  | (22,021) |  |  |
Changes in fair value recorded in earnings |  | 819 |  |  | (148) |  |  |
Fair value at June 30, 2025 |  | $ | 54,708 |  |  | $ | 65,152 |  |  |
The following tables presents a rollforward of beneficial interest assets and liabilities:
|  | Beneficial Interest Assets |  | Beneficial Interest Liabilities
Fair value at March 31, 2024 |  | $ | 62,214 |  |  | $ | 8,485 |
Acquisition of beneficial interests |  | 41,124 |  |  | — |
Settlement of beneficial interests |  | (1,729) |  |  | (1,658) |
Changes in fair value recorded in earnings |  | (3,805) |  |  | 4,371 |
Fair value at June 30, 2024 |  | $ | 97,804 |  |  | $ | 11,198 |
|  | Beneficial Interest Assets |  | Beneficial Interest Liabilities
Fair value at December 31, 2023 |  | $ | 41,012 |  |  | $ | 4,221 |
Acquisition of beneficial interests |  | 71,400 |  |  | — |
Settlement of beneficial interests |  | (1,729) |  |  | (2,367) |
Changes in fair value recorded in earnings |  | (12,879) |  |  | 9,344 |
Fair value at June 30, 2024 |  | $ | 97,804 |  |  | $ | 11,198 |
|  | Beneficial Interest Assets |  | Beneficial Interest Liabilities
Fair value at March 31, 2025 |  | $ | 216,578 |  |  | $ | 4,032 |
Acquisition of beneficial interests |  | 71,432 |  |  | — |
Settlement of beneficial interests, net |  | (27,133) |  |  | (5,672) |
Changes in fair value recorded in earnings |  | 5,884 |  |  | 12,172 |
Fair value at June 30, 2025 |  | $ | 266,761 |  |  | $ | 10,532 |
|  | Beneficial Interest Assets |  | Beneficial Interest Liabilities
Fair value at December 31, 2024 |  | $ | 176,848 |  |  | $ | 10,089 |
Acquisition of beneficial interests |  | 109,870 |  |  | — |
Settlement of beneficial interests, net |  | (43,441) |  |  | (11,664) |
Changes in fair value recorded in earnings |  | 23,484 |  |  | 12,107 |
Fair value at June 30, 2025 |  | $ | 266,761 |  |  | $ | 10,532 |
Schedule of Aggregate Fair Value and Principal Outstanding of All Loans And Loans 90 Days or More Past Due | The following table presents the aggregate fair value and aggregate principal outstanding of all loans and loans that were 90 days or more past due included in the condensed consolidated balance sheets:
|  | Loans |  | Loans > 90 Days Past Due
|  | December 31, |  | June 30, |  | December 31, |  | June 30,
|  | 2024 |  | 2025 |  | 2024 |  | 2025
Outstanding principal balance |  | $ | 858,440 |  |  | $ | 1,086,542 |  |  | $ | 11,236 |  |  | $ | 9,067 |
Net fair value and accrued interest adjustments |  | (52,136) |  |  | (67,038) |  |  | (9,638) |  |  | (6,500) |
Fair value(1)(2) |  | $ | 806,304 |  |  | $ | 1,019,504 |  |  | $ | 1,598 |  |  | $ | 2,567 |
_________ (1) Includes $285.5 million and $378.6 million of auto loans at fair value as of December 31, 2024 and June 30, 2025, respectively, of which an immaterial amount are 90 days or more past due as of December 31, 2024 and June 30, 2025. Also includes $54.3 million and $132.9 million of HELOCs at fair value as of December 31, 2024 and June 30, 2025, respectively, of which immaterial amounts are 90 days or more past due as of December 31, 2024 and June 30, 2025, respectively. (2) The fair value of loans in nonaccrual status was immaterial as of December 31, 2024 and June 30, 2025.
Schedule of Rollforward of Level 3 Liabilities | The following tables include a rollforward of the notes receivable and residual certificates and payables to securitization note holders related to securitization transactions classified by the Company within Level 3 of the fair value hierarchy:
|  | Notes Receivable and Residual Certificates |  | Payable to Securitization Note Holders |  |
Fair value at March 31, 2024 |  | $ | 13,376 |  |  | $ | 129,092 |  |  |
Repayments and settlements |  | (1,456) |  |  | (14,882) |  |  |
Changes in fair value recorded in earnings |  | (278) |  |  | (558) |  |  |
Fair value at June 30, 2024 |  | $ | 11,642 |  |  | $ | 113,652 |  |  |
|  | Notes Receivable and Residual Certificates |  | Payable to Securitization Note Holders |  |
Fair value at December 31, 2023 |  | $ | 14,847 |  |  | $ | 141,416 |  |  |
Repayments and settlements |  | (2,681) |  |  | (28,446) |  |  |
Changes in fair value recorded in earnings |  | (524) |  |  | 682 |  |  |
Fair value at June 30, 2024 |  | $ | 11,642 |  |  | $ | 113,652 |  |  |
|  | Notes Receivable and Residual Certificates |  | Payable to Securitization Note Holders |  |
Fair value at March 31, 2025 |  | $ | 19,471 |  |  | $ | 75,904 |  |  |
Additions |  | 38,355 |  |  | — |  |  |
Repayments and settlements |  | (3,836) |  |  | (10,577) |  |  |
Changes in fair value recorded in earnings |  | 718 |  |  | (175) |  |  |
Fair value at June 30, 2025 |  | $ | 54,708 |  |  | $ | 65,152 |  |  |
|  | Notes Receivable and Residual Certificates |  | Payable to Securitization Note Holders |  |
Fair value at December 31, 2024 |  | $ | 22,055 |  |  | $ | 87,321 |  |  |
Additions |  | 38,355 |  |  | — |  |  |
Repayments and settlements |  | (6,521) |  |  | (22,021) |  |  |
Changes in fair value recorded in earnings |  | 819 |  |  | (148) |  |  |
Fair value at June 30, 2025 |  | $ | 54,708 |  |  | $ | 65,152 |  |  |
The following tables presents a rollforward of beneficial interest assets and liabilities:
|  | Beneficial Interest Assets |  | Beneficial Interest Liabilities
Fair value at March 31, 2024 |  | $ | 62,214 |  |  | $ | 8,485 |
Acquisition of beneficial interests |  | 41,124 |  |  | — |
Settlement of beneficial interests |  | (1,729) |  |  | (1,658) |
Changes in fair value recorded in earnings |  | (3,805) |  |  | 4,371 |
Fair value at June 30, 2024 |  | $ | 97,804 |  |  | $ | 11,198 |
|  | Beneficial Interest Assets |  | Beneficial Interest Liabilities
Fair value at December 31, 2023 |  | $ | 41,012 |  |  | $ | 4,221 |
Acquisition of beneficial interests |  | 71,400 |  |  | — |
Settlement of beneficial interests |  | (1,729) |  |  | (2,367) |
Changes in fair value recorded in earnings |  | (12,879) |  |  | 9,344 |
Fair value at June 30, 2024 |  | $ | 97,804 |  |  | $ | 11,198 |
|  | Beneficial Interest Assets |  | Beneficial Interest Liabilities
Fair value at March 31, 2025 |  | $ | 216,578 |  |  | $ | 4,032 |
Acquisition of beneficial interests |  | 71,432 |  |  | — |
Settlement of beneficial interests, net |  | (27,133) |  |  | (5,672) |
Changes in fair value recorded in earnings |  | 5,884 |  |  | 12,172 |
Fair value at June 30, 2025 |  | $ | 266,761 |  |  | $ | 10,532 |
|  | Beneficial Interest Assets |  | Beneficial Interest Liabilities
Fair value at December 31, 2024 |  | $ | 176,848 |  |  | $ | 10,089 |
Acquisition of beneficial interests |  | 109,870 |  |  | — |
Settlement of beneficial interests, net |  | (43,441) |  |  | (11,664) |
Changes in fair value recorded in earnings |  | 23,484 |  |  | 12,107 |
Fair value at June 30, 2025 |  | $ | 266,761 |  |  | $ | 10,532 |
Schedule of Level 3 Fair Value Assumptions for Loan Servicing Assets and Liabilities | The following table presents quantitative information about the significant unobservable inputs used for the Company’s Level 3 fair value measurements for loan servicing assets and liabilities:
|  | December 31, 2024 |  | June 30, 2025
|  | Minimum |  | Maximum |  | Weighted-Average (1) |  | Minimum |  | Maximum |  | Weighted-Average (1)
Discount rate |  | 13.00 | % |  | 20.00 | % |  | 17.14 | % |  | 13.00 | % |  | 20.00 | % |  | 17.27 | %
Credit risk rate |  | 0.08 | % |  | 61.96 | % |  | 16.05 | % |  | 0.09 | % |  | 61.96 | % |  | 16.61 | %
Market-servicing rate (2)(3) |  | 0.62 | % |  | 3.70 | % |  | 0.62 | % |  | 0.62 | % |  | 3.70 | % |  | 0.62 | %
Prepayment rate |  | 2.17 | % |  | 96.90 | % |  | 36.43 | % |  | 2.59 | % |  | 96.90 | % |  | 35.52 | %
_________ (1)Unobservable inputs were weighted by relative fair value. (2)Excludes ancillary fees that would be passed on to a third-party servicer. (3)Expressed as a percentage of the outstanding principal balance for auto loans of 3.70% as of both December 31, 2024 and June 30, 2025, and 0.62% for personal loans as of both December 31, 2024 and June 30, 2025.
Schedule of Fair Value Sensitivity of Loan Servicing Assets and Liabilities to Adverse Changes in Key Assumptions | The table below presents the fair value sensitivity of loan servicing assets to adverse changes in key assumptions. The fair value of loan servicing assets and liabilities is not sensitive to adverse changes in discount rates and prepayment rates as such changes do not result in a material impact on the fair value as of December 31, 2024 and June 30, 2025. Adverse changes in market-servicing rates do not result in a material impact to the fair value of loan servicing liabilities as of December 31, 2024 and June 30, 2025.
|  | December 31, |  | June 30,
|  | 2024 |  | 2025
Fair value of loan servicing assets |  | $ | 27,439 |  |  | $ | 32,443 |
Expected market-servicing rates |  |  |  |
10% market-servicing rates increase |  | (6,931) |  |  | (7,538) |
20% market-servicing rates increase |  | (14,098) |  |  | (15,074) |
Schedule of Servicing Liabilities at Fair Value Rollforward | The following tables present a rollforward of the loan servicing assets and liabilities classified by the Company within Level 3 of the fair value hierarchy:
|  | Loan Servicing Assets |  | Loan Servicing Liabilities
Fair value at March 31, 2024 |  | $ | 26,753 |  |  | $ | 1,585 |
Sale of loans |  | 2,952 |  |  | 1 |
Changes in fair value recorded in earnings |  | (3,915) |  |  | (363) |
Fair value at June 30, 2024 |  | $ | 25,790 |  |  | $ | 1,223 |
|  | Loan Servicing Assets |  | Loan Servicing Liabilities
Fair value at December 31, 2023 |  | $ | 28,092 |  |  | $ | 2,038 |
Sale of loans |  | 5,899 |  |  | 2 |
Changes in fair value recorded in earnings |  | (8,201) |  |  | (817) |
Fair value at June 30, 2024 |  | $ | 25,790 |  |  | $ | 1,223 |
| Loan Servicing Assets |  | Loan Servicing Liabilities
Fair value at March 31, 2025 | $ | 28,886 |  |  | $ | 1,487 |
Sale of loans | 8,107 |  |  | 601 |
Changes in fair value recorded in earnings | (4,550) |  |  | (338) |
Fair value at June 30, 2025 | $ | 32,443 |  |  | $ | 1,750 |
| Loan Servicing Assets |  | Loan Servicing Liabilities
Fair value at December 31, 2024 | $ | 27,439 |  |  | $ | 1,180 |
Sale of loans | 13,644 |  |  | 1,193 |
Changes in fair value recorded in earnings | (8,640) |  |  | (623) |
Fair value at June 30, 2025 | $ | 32,443 |  |  | $ | 1,750 |
Schedule of Servicing Assets at Fair Value Rollforward | The following tables present a rollforward of the loan servicing assets and liabilities classified by the Company within Level 3 of the fair value hierarchy:
|  | Loan Servicing Assets |  | Loan Servicing Liabilities
Fair value at March 31, 2024 |  | $ | 26,753 |  |  | $ | 1,585 |
Sale of loans |  | 2,952 |  |  | 1 |
Changes in fair value recorded in earnings |  | (3,915) |  |  | (363) |
Fair value at June 30, 2024 |  | $ | 25,790 |  |  | $ | 1,223 |
|  | Loan Servicing Assets |  | Loan Servicing Liabilities
Fair value at December 31, 2023 |  | $ | 28,092 |  |  | $ | 2,038 |
Sale of loans |  | 5,899 |  |  | 2 |
Changes in fair value recorded in earnings |  | (8,201) |  |  | (817) |
Fair value at June 30, 2024 |  | $ | 25,790 |  |  | $ | 1,223 |
| Loan Servicing Assets |  | Loan Servicing Liabilities
Fair value at March 31, 2025 | $ | 28,886 |  |  | $ | 1,487 |
Sale of loans | 8,107 |  |  | 601 |
Changes in fair value recorded in earnings | (4,550) |  |  | (338) |
Fair value at June 30, 2025 | $ | 32,443 |  |  | $ | 1,750 |
| Loan Servicing Assets |  | Loan Servicing Liabilities
Fair value at December 31, 2024 | $ | 27,439 |  |  | $ | 1,180 |
Sale of loans | 13,644 |  |  | 1,193 |
Changes in fair value recorded in earnings | (8,640) |  |  | (623) |
Fair value at June 30, 2025 | $ | 32,443 |  |  | $ | 1,750 |
Schedule of Rollforward of Level 3 Liabilities | The following tables include a rollforward of trailing fee liabilities classified by the Company within Level 3 of the fair value hierarchy:
|  | Trailing Fee Liabilities
Fair value at March 31, 2024 |  | $ | 4,244 |
Issuances |  | 573 |
Repayments and settlements |  | (648) |
Changes in fair value recorded in earnings |  | 73 |
Fair value at June 30, 2024 |  | $ | 4,242 |
|  | Trailing Fee Liabilities
Fair value at December 31, 2023 |  | $ | 4,251 |
Issuances |  | 1,189 |
Repayments and settlements |  | (1,311) |
Changes in fair value recorded in earnings |  | 113 |
Fair value at June 30, 2024 |  | $ | 4,242 |
|  | Trailing Fee Liabilities
Fair value at March 31, 2025 |  | $ | 4,574 |
Issuances |  | 1,086 |
Repayments and settlements |  | (733) |
Changes in fair value recorded in earnings |  | 31 |
Fair value at June 30, 2025 |  | $ | 4,958 |
|  | Trailing Fee Liabilities
Fair value at December 31, 2024 |  | $ | 4,614 |
Issuances |  | 1,786 |
Repayments and settlements |  | (1,336) |
Changes in fair value recorded in earnings |  | (106) |
Fair value at June 30, 2025 |  | $ | 4,958 |

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