v3.25.4
COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Dec. 31, 2023
Feb. 28, 2025
Other Commitments [Line Items]              
Loans originated or purchased, borrowers permitted to draw amounts after original origination date, period     5 years   5 years    
Commitment to lend $ 41,200   $ 41,200   $ 29,100 $ 37,700  
Commitment to lend, settled within a week 41,100   41,100   0    
Gains (losses) on loans repurchase obligations 1,400 $ (1,800) (2,300) $ (6,000) 8,200 10,100  
Contributed capital     2,477 3,314 3,314 0  
Lease rent expense 700 700 1,900 2,000 2,800 $ 2,900  
ROU assets 5,500   5,500   2,500    
Lease liabilities $ 5,822   $ 5,822   $ 2,790    
Weighted average remaining lease term 4 years 3 months 18 days   4 years 3 months 18 days   1 year 2 months 12 days 2 years 1 month 6 days  
Weighted average discount rate, percent 9.00%   9.00%   2.00% 1.90%  
Lease payments $ 700 $ 700 $ 2,000 $ 2,000 $ 3,000 $ 2,900  
Operating lease, term 5 years   5 years        
Joint Venture              
Other Commitments [Line Items]              
Noncontrolling owner, interest percentage             5.00%
Joint Venture              
Other Commitments [Line Items]              
Contractual obligation             $ 10,500
Contributed capital     $ 2,500        
Obligation to Repurchase Receivables Sold              
Other Commitments [Line Items]              
Contractual obligation $ 14,600   14,600   13,800    
Unpaid principal balance 1,500,000   1,500,000   698,100    
Loss contingency accrual 6,400   6,400   6,000    
Securitization Commitments              
Other Commitments [Line Items]              
Contractual obligation 89,300   89,300        
Loan Purchase and Servicing Commitments              
Other Commitments [Line Items]              
Contractual obligation $ 13,400   $ 13,400   $ 142,200 $ 25,600