v3.26.1
Fair Value Measurements - Schedule of Changes in Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($)
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Liabilities    
Net impact on earnings $ (178,120,000) $ 71,872,000
Elective repurchases 0 200,100,000
Securitization clean-up calls 86,700,000 0
Residual interests classified as debt    
Liabilities    
Fair value at beginning of period (520,000) (609,000)
Impact on Earnings (27,000) (35,000)
Purchases 0 0
Sales 0 0
Issuances 0 0
Settlements 30,000 65,000
Other Changes 0 0
Fair value at end of period (517,000) (579,000)
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end (27,000) (35,000)
Loans at fair value    
Assets    
Fair value at beginning of period 36,199,228,000 26,215,332,000
Impact on Earnings (202,734,000) 61,624,000
Purchases 89,449,000 202,967,000
Sales (13,252,000) (1,195,404,000)
Issuances 8,327,836,000 5,344,364,000
Settlements (4,088,578,000) (2,919,704,000)
Other Changes 30,271,000 286,000
Fair value at end of period 40,342,220,000 27,709,465,000
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end 11,169,000 205,614,000
Personal Loans    
Assets    
Fair value at beginning of period 21,540,668,000 17,532,396,000
Impact on Earnings (207,799,000) (73,425,000)
Purchases 2,574,000 2,898,000
Sales (13,252,000) (1,195,404,000)
Issuances 5,376,998,000 3,977,670,000
Settlements (3,015,156,000) (2,373,157,000)
Other Changes (1,612,000) (1,748,000)
Fair value at end of period 23,682,421,000 17,869,230,000
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end (35,378,000) 63,013,000
Student Loans    
Assets    
Fair value at beginning of period 13,657,578,000 8,597,368,000
Impact on Earnings (7,073,000) 125,769,000
Purchases 86,875,000 200,069,000
Sales 0 0
Issuances 2,613,708,000 1,191,463,000
Settlements (1,043,250,000) (545,246,000)
Other Changes 28,982,000 2,034,000
Fair value at end of period 15,336,820,000 9,571,457,000
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end 34,789,000 134,214,000
Home Loans    
Assets    
Fair value at beginning of period 1,000,982,000 85,568,000
Impact on Earnings 12,138,000 9,280,000
Purchases 0 0
Sales 0 0
Issuances 337,130,000 175,231,000
Settlements (30,172,000) (1,301,000)
Other Changes 2,901,000 0
Fair value at end of period 1,322,979,000 268,778,000
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end 11,758,000 8,387,000
Servicing rights    
Assets    
Fair value at beginning of period 378,178,000 342,128,000
Impact on Earnings (1,880,000) 1,074,000
Purchases 2,055,000 3,637,000
Sales 0 (1,940,000)
Issuances 34,448,000 88,931,000
Settlements (44,899,000) (44,050,000)
Other Changes 0 0
Fair value at end of period 367,902,000 389,780,000
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end (1,477,000) 1,074,000
Residual investments    
Assets    
Fair value at beginning of period 31,355,000 25,394,000
Impact on Earnings 176,000 664,000
Purchases 8,402,000 4,255,000
Sales 0 0
Issuances 0 0
Settlements (2,316,000) (1,583,000)
Other Changes 0 0
Fair value at end of period 37,617,000 28,730,000
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end 176,000 664,000
IRLCs    
Assets    
Fair value at beginning of period 9,971,000 1,227,000
Impact on Earnings 3,887,000 8,074,000
Purchases 0 0
Sales 0 0
Issuances 0 0
Settlements (6,297,000) (1,227,000)
Other Changes 0 0
Fair value at end of period 7,561,000 8,074,000
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end 7,561,000 8,074,000
Student loan commitments    
Assets    
Fair value at beginning of period 28,779,000 6,042,000
Impact on Earnings 13,424,000 471,000
Purchases 0 0
Sales 0 0
Issuances 0 0
Settlements (22,933,000) (6,042,000)
Other Changes 0 0
Fair value at end of period 19,270,000 471,000
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end 19,270,000 471,000
Personal loan commitments    
Assets    
Fair value at beginning of period 0  
Impact on Earnings 9,034,000  
Purchases 0  
Sales 0  
Issuances 0  
Settlements 0  
Other Changes 0  
Fair value at end of period 9,034,000  
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end 9,034,000  
Third party warrants    
Assets    
Fair value at beginning of period 540,000 540,000
Impact on Earnings 0 0
Purchases 0 0
Sales 0 0
Issuances 0 0
Settlements 0 0
Other Changes 0 0
Fair value at end of period 540,000 540,000
Changes in unrealized gains (losses) included in earnings related to assets and liabilities held at period end $ 0 $ 0