v3.25.4
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Narrative (Details)
3 Months Ended 12 Months Ended
Aug. 29, 2025
segment
Mar. 31, 2025
USD ($)
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Operating segments | segment 2        
Derivative, gain (loss) net     $ (6,200,000) $ 300,000  
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]     Gain on sale of loans, net Gain on sale of loans, net  
% of Total     100.00% 100.00%  
Gain on sale of loans, net     $ 180,024,000 $ 140,353,000 $ 50,343,000
Interest receivable     4,440,000 3,214,000  
Interest payable     1,400,000 2,100,000  
Deferred offering costs       5,000,000.0  
Impairment of internally developed software costs     0 8,591,000 0
Sales and marketing     76,094,000 55,657,000 52,761,000
Advertising expense     $ 63,900,000 50,100,000 46,500,000
Customer One | Accounts Receivable | Credit Concentration Risk          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
% of Total     28.80%    
Customer Two | Accounts Receivable | Credit Concentration Risk          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
% of Total     18.60%    
Customer Three | Accounts Receivable | Credit Concentration Risk          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
% of Total     16.80%    
Customer Four | Accounts Receivable | Credit Concentration Risk          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
% of Total     14.80%    
Software Development          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Impairment of internally developed software costs       6,300,000  
Software Purchased          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Impairment of internally developed software costs       2,300,000  
Collateralized Loan Obligations          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Changes in fair value     $ 3,700,000 16,500,000 (3,300,000)
Interest receivable     4,400,000 3,200,000  
Marketable securities:          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Gain on sale of loans, net     3,900,000 $ 1,100,000 $ (2,900,000)
Changes in fair value   $ 10,176,000 $ 342,000    
Other | Minimum          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loan-to-value ratio     50.00%    
Other | Maximum          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loan-to-value ratio     75.00%