Any ADA in your offer pool (currently not having any loans accepted for it) is still sitting in your wallet, and thus, you are receiving your staking rewards. As soon as the loans are accepted, the ADA leaves your wallet, though, as it's now part of the smart contract transaction until the loan is either repaid or defaulted.

Repaid ADA is put back into your offer pool, meaning it's again staked!

In the example below, we have 48 ADA in our wallet and 131.36 ADA in our offer pool.

If I look up my own wallet address in Cardanoscan, we will see that there are 179 total staked ADA.