v3.25.4
FAIR VALUE MEASUREMENTS - Significant Valuation Inputs (Details)
$ in Thousands
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities $ 273,151 $ 163,489  
Loans held for sale, at fair value 404,337 395,922 $ 255,516
Residual interest securities      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities 40,166 34,506  
Level 3      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, fair value 113,064 88,497  
Loans held for sale, at fair value $ 404,337 $ 369,983  
Level 3 | Discount rate      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.130 0.129  
Loans held for sale, measurement input 0.065 0.076  
Level 3 | CPR      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.132 0.142  
Loans held for sale, measurement input 0.180 0.137  
Level 3 | CDR      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.007 0.007  
Loans held for sale, measurement input 0.019 0.017  
Level 3 | Servicing Rate      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.003 0.002  
Level 3 | Residual interest securities      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities $ 40,166 $ 34,506  
Level 3 | Residual interest securities | Discount rate | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities, measurement input 0.096 0.145  
Level 3 | Residual interest securities | Discount rate | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities, measurement input 0.258 0.240  
Level 3 | Residual interest securities | Discount rate | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities, measurement input 0.157 0.197  
Level 3 | Residual interest securities | CPR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities, measurement input 0.162 0.152  
Level 3 | Residual interest securities | CPR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities, measurement input 0.208 0.201  
Level 3 | Residual interest securities | CPR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities, measurement input 0.188 0.177  
Level 3 | Residual interest securities | CDR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities, measurement input 0 0.015  
Level 3 | Residual interest securities | CDR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities, measurement input 0.024 0.017  
Level 3 | Residual interest securities | CDR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Marketable securities, measurement input 0.012 0.016  
Level 3 | HELOC loans      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, fair value $ 111,211 $ 86,465  
Loans held for sale, at fair value $ 320,566 $ 366,154  
Level 3 | HELOC loans | Discount rate | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.130 0.130  
Loans held for sale, measurement input 0.057 0.064  
Level 3 | HELOC loans | Discount rate | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.130 0.130  
Loans held for sale, measurement input 0.078 0.101  
Level 3 | HELOC loans | Discount rate | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.130 0.130  
Loans held for sale, measurement input 0.064 0.076  
Level 3 | HELOC loans | CPR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0 0.010  
Loans held for sale, measurement input 0.011 0.013  
Level 3 | HELOC loans | CPR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.331 0.330  
Loans held for sale, measurement input 0.474 0.324  
Level 3 | HELOC loans | CPR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.133 0.144  
Loans held for sale, measurement input 0.178 0.136  
Level 3 | HELOC loans | CDR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0 0  
Loans held for sale, measurement input 0 0.015  
Level 3 | HELOC loans | CDR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.048 0.044  
Loans held for sale, measurement input 0.940 0.017  
Level 3 | HELOC loans | CDR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.008 0.007  
Loans held for sale, measurement input 0.018 0.016  
Level 3 | HELOC loans | Servicing Rate      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.003 0.002  
Level 3 | HELOC loans | Loss Severity | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0 0.166  
Level 3 | HELOC loans | Loss Severity | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.991 0.442  
Level 3 | HELOC loans | Loss Severity | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.254 0.324  
Level 3 | Mortgage loans      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, fair value $ 1,853 $ 2,032  
Level 3 | Mortgage loans | Discount rate | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.095 0.100  
Level 3 | Mortgage loans | Discount rate | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.105 0.110  
Level 3 | Mortgage loans | Discount rate | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.103 0.108  
Level 3 | Mortgage loans | CPR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.035 0.039  
Level 3 | Mortgage loans | CPR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.082 0.082  
Level 3 | Mortgage loans | CPR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.053 0.057  
Level 3 | Mortgage loans | CDR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0 0  
Level 3 | Mortgage loans | CDR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.105 0.010  
Level 3 | Mortgage loans | CDR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.004 0.002  
Level 3 | Mortgage loans | Servicing Rate      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Servicing assets, measurement input 0.003 0  
Level 3 | Personal loans      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, at fair value $ 79,113    
Level 3 | Personal loans | Discount rate | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.089    
Level 3 | Personal loans | Discount rate | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.115    
Level 3 | Personal loans | Discount rate | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.098    
Level 3 | Personal loans | CPR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0    
Level 3 | Personal loans | CPR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0    
Level 3 | Personal loans | CPR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0    
Level 3 | Personal loans | CDR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0    
Level 3 | Personal loans | CDR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0    
Level 3 | Personal loans | CDR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0    
Level 3 | Personal loans | Loss Severity | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0    
Level 3 | Personal loans | Loss Severity | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0    
Level 3 | Personal loans | Loss Severity | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0    
Level 3 | Other      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, at fair value $ 4,658 $ 3,829  
Level 3 | Other | Discount rate | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.062 0.051  
Level 3 | Other | Discount rate | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.120 0.087  
Level 3 | Other | Discount rate | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.076 0.069  
Level 3 | Other | CPR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.046 0.179  
Level 3 | Other | CPR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.732 0.997  
Level 3 | Other | CPR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.261 0.256  
Level 3 | Other | CDR | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.010 0.004  
Level 3 | Other | CDR | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.628 0.102  
Level 3 | Other | CDR | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.096 0.077  
Level 3 | Other | Loss Severity | Minimum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.880 0.880  
Level 3 | Other | Loss Severity | Maximum      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.920 0.920  
Level 3 | Other | Loss Severity | Weighted Average      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans held for sale, measurement input 0.900 0.900