FAIR VALUE MEASUREMENTS - Significant Valuation Input Sensitivity (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 asset |
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 | -2% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (1,408)
|
|
|
| Marketable securities, measurement input |
0.077
|
|
|
| Level 3 | Residual interest securities | Discount rate | -1% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (659)
|
|
|
| Marketable securities, measurement input |
0.036
|
|
|
| Level 3 | Residual interest securities | Discount rate | +1% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (653)
|
|
|
| Marketable securities, measurement input |
(0.036)
|
|
|
| Level 3 | Residual interest securities | Discount rate | +2% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (1,275)
|
|
|
| Marketable securities, measurement input |
(0.070)
|
|
|
| Level 3 | Residual interest securities | CPR | -20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (2,970)
|
|
|
| Marketable securities, measurement input |
0.164
|
|
|
| Level 3 | Residual interest securities | CPR | -10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (1,407)
|
|
|
| Marketable securities, measurement input |
0.078
|
|
|
| Level 3 | Residual interest securities | CPR | +10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (1,269)
|
|
|
| Marketable securities, measurement input |
(0.070)
|
|
|
| Level 3 | Residual interest securities | CPR | +20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (2,814)
|
|
|
| Marketable securities, measurement input |
(0.156)
|
|
|
| Level 3 | Residual interest securities | CDR | -20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (723)
|
|
|
| Marketable securities, measurement input |
0.040
|
|
|
| Level 3 | Residual interest securities | CDR | -10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (347)
|
|
|
| Marketable securities, measurement input |
0.019
|
|
|
| Level 3 | Residual interest securities | CDR | +10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (388)
|
|
|
| Marketable securities, measurement input |
(0.022)
|
|
|
| Level 3 | Residual interest securities | CDR | +20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Marketable securities: |
$ (743)
|
|
|
| Marketable securities, measurement input |
(0.041)
|
|
|
| Level 3 | HELOC loans |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 111,211
|
86,465
|
|
| Loans held for sale, at fair value |
320,566
|
$ 366,154
|
|
| Level 3 | HELOC loans | Discount rate | -2% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 6,793
|
|
|
| Servicing assets, measurement input |
0.063
|
|
|
| Loans held for sale, at fair value |
$ 16,724
|
|
|
| Loans held for sale, measurement input |
0.037
|
|
|
| Level 3 | HELOC loans | Discount rate | -1% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 3,289
|
|
|
| Servicing assets, measurement input |
0.030
|
|
|
| Loans held for sale, at fair value |
$ 12,418
|
|
|
| Loans held for sale, measurement input |
0.027
|
|
|
| Level 3 | HELOC loans | Discount rate | +1% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 3,105
|
|
|
| Servicing assets, measurement input |
(0.029)
|
|
|
| Loans held for sale, at fair value |
$ 15,234
|
|
|
| Loans held for sale, measurement input |
(0.033)
|
|
|
| Level 3 | HELOC loans | Discount rate | +2% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 6,025
|
|
|
| Servicing assets, measurement input |
(0.056)
|
|
|
| Loans held for sale, at fair value |
$ 30,126
|
|
|
| Loans held for sale, measurement input |
(0.066)
|
|
|
| Level 3 | HELOC loans | CPR | -20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 6,815
|
|
|
| Servicing assets, measurement input |
0.063
|
|
|
| Loans held for sale, at fair value |
$ 1,068
|
|
|
| Loans held for sale, measurement input |
0.002
|
|
|
| Level 3 | HELOC loans | CPR | -10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 3,299
|
|
|
| Servicing assets, measurement input |
0.031
|
|
|
| Loans held for sale, at fair value |
$ 570
|
|
|
| Loans held for sale, measurement input |
0.001
|
|
|
| Level 3 | HELOC loans | CPR | +10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 3,094
|
|
|
| Servicing assets, measurement input |
(0.029)
|
|
|
| Loans held for sale, at fair value |
$ 813
|
|
|
| Loans held for sale, measurement input |
(0.002)
|
|
|
| Level 3 | HELOC loans | CPR | +20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 6,004
|
|
|
| Servicing assets, measurement input |
(0.056)
|
|
|
| Loans held for sale, at fair value |
$ 1,636
|
|
|
| Loans held for sale, measurement input |
(0.004)
|
|
|
| Level 3 | HELOC loans | CDR | -20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 0
|
|
|
| Servicing assets, measurement input |
0
|
|
|
| Loans held for sale, at fair value |
$ 1,655
|
|
|
| Loans held for sale, measurement input |
0.004
|
|
|
| Level 3 | HELOC loans | CDR | -10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 0
|
|
|
| Servicing assets, measurement input |
0
|
|
|
| Loans held for sale, at fair value |
$ 816
|
|
|
| Loans held for sale, measurement input |
0.002
|
|
|
| Level 3 | HELOC loans | CDR | +10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 0
|
|
|
| Servicing assets, measurement input |
0
|
|
|
| Loans held for sale, at fair value |
$ 930
|
|
|
| Loans held for sale, measurement input |
(0.002)
|
|
|
| Level 3 | HELOC loans | CDR | +20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 0
|
|
|
| Servicing assets, measurement input |
0
|
|
|
| Loans held for sale, at fair value |
$ 1,820
|
|
|
| Loans held for sale, measurement input |
(0.004)
|
|
|
| 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 | Servicing Rate | -20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 9,022
|
|
|
| Servicing assets, measurement input |
0.083
|
|
|
| Level 3 | HELOC loans | Servicing Rate | -10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 4,511
|
|
|
| Servicing assets, measurement input |
0.042
|
|
|
| Level 3 | HELOC loans | Servicing Rate | +10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 4,511
|
|
|
| Servicing assets, measurement input |
(0.042)
|
|
|
| Level 3 | HELOC loans | Servicing Rate | +20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 9,022
|
|
|
| Servicing assets, measurement input |
(0.083)
|
|
|
| Level 3 | Mortgage loans |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset |
$ 1,853
|
$ 2,032
|
|
| Level 3 | Mortgage loans | Discount rate | -2% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset, net |
$ (187)
|
|
|
| Servicing assets, measurement input |
(0.101)
|
|
|
| Level 3 | Mortgage loans | Discount rate | -1% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset, net |
$ (90)
|
|
|
| Servicing assets, measurement input |
(0.048)
|
|
|
| Level 3 | Mortgage loans | Discount rate | +1% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset, net |
$ 82
|
|
|
| Servicing assets, measurement input |
0.044
|
|
|
| Level 3 | Mortgage loans | Discount rate | +2% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset, net |
$ 158
|
|
|
| Servicing assets, measurement input |
0.085
|
|
|
| Level 3 | Mortgage loans | CPR | -20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset, net |
$ (98)
|
|
|
| Servicing assets, measurement input |
(0.053)
|
|
|
| Level 3 | Mortgage loans | CPR | -10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset, net |
$ (48)
|
|
|
| Servicing assets, measurement input |
(0.026)
|
|
|
| Level 3 | Mortgage loans | CPR | +10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset, net |
$ 46
|
|
|
| Servicing assets, measurement input |
0.025
|
|
|
| Level 3 | Mortgage loans | CPR | +20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Servicing asset, net |
$ 90
|
|
|
| Servicing assets, measurement input |
0.049
|
|
|
| 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 | -2% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 15
|
|
|
| Loans held for sale, measurement input |
0.011
|
|
|
| Level 3 | Personal loans | Discount rate | -1% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 7
|
|
|
| Loans held for sale, measurement input |
0.005
|
|
|
| Level 3 | Personal loans | Discount rate | +1% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 7
|
|
|
| Loans held for sale, measurement input |
(0.005)
|
|
|
| Level 3 | Personal loans | Discount rate | +2% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 14
|
|
|
| Loans held for sale, measurement input |
(0.010)
|
|
|
| Level 3 | Personal loans | CPR | -20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 0
|
|
|
| Loans held for sale, measurement input |
0
|
|
|
| Level 3 | Personal loans | CPR | -10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 0
|
|
|
| Loans held for sale, measurement input |
0
|
|
|
| Level 3 | Personal loans | CPR | +10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 0
|
|
|
| Loans held for sale, measurement input |
0
|
|
|
| Level 3 | Personal loans | CPR | +20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 0
|
|
|
| Loans held for sale, measurement input |
0
|
|
|
| Level 3 | Personal loans | CDR | -20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 0
|
|
|
| Loans held for sale, measurement input |
0
|
|
|
| Level 3 | Personal loans | CDR | -10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 0
|
|
|
| Loans held for sale, measurement input |
0
|
|
|
| Level 3 | Personal loans | CDR | +10% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 0
|
|
|
| Loans held for sale, measurement input |
0
|
|
|
| Level 3 | Personal loans | CDR | +20% |
|
|
|
| Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] |
|
|
|
| Loans held for sale, at fair value |
$ 0
|
|
|
| Loans held for sale, measurement input |
0
|
|
|