v3.25.4
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Narrative (Details)
$ in Thousands
1 Months Ended 3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2025
segment
Sep. 30, 2025
USD ($)
Sep. 30, 2024
USD ($)
Sep. 30, 2025
USD ($)
Sep. 30, 2024
USD ($)
Dec. 31, 2024
USD ($)
segment
Dec. 31, 2023
USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Number of operating segments | segment 1         2  
Reportable segments | segment 1            
Derivative, gain (loss) net   $ 300 $ 0 $ (6,100) $ 0 $ 300  
Gain on sale of loans, net   63,561 57,434 131,896 116,069 140,353 $ 50,343
Impairment of internally developed software costs     0 0 8,591 8,591 0
Sales and marketing   22,144 15,031 54,077 40,979 55,657 52,761
Advertising expense   19,100 13,400 46,000 37,500 50,100 46,500
Software Development              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Impairment of internally developed software costs         6,300 6,300  
Software Purchased              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Impairment of internally developed software costs         2,300 2,300  
Marketable Securities              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Gain on sale of loans, net   900 900 4,500 2,700 1,100 (2,900)
Changes in fair value       2,235   10,176 1,962
Collateralized Loan Obligations              
Accounts, Notes, Loans and Financing Receivable [Line Items]              
Changes in fair value   $ 9,200 $ 17,900 $ 7,700 $ 29,400 $ 16,500 $ (3,300)