UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
Cash Flows from Operating Activities:
Net loss	$ (125,952)	$ (147,067)
Adjustments to reconcile net loss to net cash (used in)/provided by operating activities:
Depreciation of property and equipment	796	4,187
Impairments	1,432	0
Amortization of internal use software and other intangible assets	10,112	21,136
Gain on sale of loans, net	(91,542)	(44,032)
Non-cash interest and amortization of debt issuance costs and discounts	1,700	4,472
Change in fair value of warrants	5,923	(927)
Stock-based compensation	12,556	21,812
Recovery of loan repurchase reserve	(1,113)	(10,168)
Provision for credit losses	656	1,138
Amortization/Accretion of Deferred Fees and Costs	(1,079)	0
Change in fair value of derivatives	(2,743)	(3,651)
Change in fair value of mortgage loans held for sale	(6,436)	(4,666)
Loss on disposal of assets held for sale	692	0
Change in operating lease of right-of-use assets	(3,284)	(4,321)
Originations of mortgage loans held for sale	(3,255,889)	(2,676,979)
Proceeds from sale of mortgage loans held for sale	3,336,753	2,554,975
Change in operating assets and liabilities:
Other receivables, net	(15,908)	(450)
Prepaid expenses and other assets	4,928	14,769
Operating lease liabilities	1,044	(5,540)
Accounts payable and accrued expenses	20,460	(2,111)
Escrow payable and other customer accounts	980	1,360
Other liabilities	(3,391)	2,118
Net cash used in operating activities	(109,305)	(273,945)
Cash Flows from Investing Activities:
Purchase of property and equipment	(849)	(2,917)
Payment to dispose of assets held for sale	(1,597)	0
Capitalization of internal use software	(7,403)	(4,132)
Maturities of short-term investments	352,142	139,901
Purchase of short-term investments	(427,431)	(167,426)
Origination of loans held for investment	(505,438)	(79,715)
Principal payments received on loans held for investment	1,047	2,464
Net cash used in investing activities	(589,529)	(111,825)
Cash Flows from Financing Activities:
Principal payments on notes	(111,606)	(1,103)
Net borrowings on warehouse lines of credit	105,701	8,263
Net increase/(decrease) in customer deposits	560,685	85,943
Proceeds from issuance of common stock under at-the-market offering	589	0
Proceeds from exercise of stock options	4	5
Net cash provided by financing activities	555,373	93,108
Effects of currency translation on cash, cash equivalents, and restricted cash	(6,940)	1,675
Net (decrease) increase in cash, cash equivalents, and restricted cash, including cash classified within assets held for sale	(150,401)	(290,987)
Less: net change in cash, cash equivalents and restricted cash classified within assets held for sale	1,328	0
Cash, cash equivalents, and restricted cash—beginning of period	235,517	528,066
Cash, cash equivalents, and restricted cash—end of period	86,444	237,079
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation [Abstract]
Cash and cash equivalents, end of period	73,893	207,673
Restricted cash, end of period	12,551	29,406
Total cash, cash equivalents and restricted cash, end of period	86,444	237,079
Supplemental Disclosure of Cash Flow Information:
Interest paid	15,760	2,594
Income taxes paid/(refunded)	1,671	548
Non-Cash Investing and Financing Activities:
Capitalization of stock-based compensation related to internal use software	1,050	1,309
Vesting of stock options early exercised in prior periods	0	1,524
Vesting of common stock issued via notes receivable from stockholders	2	884
Settlement of notes receivable from stockholders	0	1,846
Convertible notes exchange	207,599	0
Reduction of lease liability via modification	$ 0	$ 20,839