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INCOME TAXES - 10-K - Deferred Tax Assets and Liabilities (Details) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Deferred tax assets:    
Net operating losses $ 59,423 $ 63,193
Tax credits 2,897 218
Loan sale indemnification reserve 1,520 615
Stock-based compensation 10,404 5,171
Intangible assets 5,334 1,425
Research and development capitalization 14,726 12,797
Lease liabilities 695 1,396
Other 823 1,085
Total deferred tax assets 95,822 85,900
Valuation allowance (69,608) (71,129)
Net deferred tax assets 26,214 14,771
Deferred tax liabilities:    
Servicing asset 22,982 13,517
Unrealized gains (losses) 2,621 0
ROU assets 611 1,254
Total deferred tax liabilities 26,214 14,771
Net deferred tax assets (liabilities) $ 0 $ 0