INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands |
Dec. 31, 2025 |
Dec. 31, 2024 |
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| Deferred tax assets: | ||
| Net operating losses | $ 51,541 | $ 59,423 |
| Tax credits | 5,588 | 2,897 |
| Loan sale indemnification reserve | 1,571 | 1,520 |
| Stock-based compensation | 14,013 | 10,404 |
| Intangible assets | 5,557 | 5,334 |
| Research and development capitalization | 4,472 | 14,726 |
| Lease liabilities | 1,007 | 695 |
| Other | 3,617 | 823 |
| Total deferred tax assets | 87,366 | 95,822 |
| Deferred tax liabilities: | ||
| Servicing asset | (28,718) | (22,982) |
| Unrealized gains (losses) | (2,486) | (2,621) |
| ROU assets | (1,320) | (611) |
| Mark to market | (4,161) | 0 |
| Total deferred tax liabilities | (36,685) | (26,214) |
| Valuation allowance | (24,644) | (69,608) |
| Net deferred tax assets (liabilities) | $ 26,037 | $ 0 |
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- Definition Deferred Tax Asset, Leasing Arrangements No definition available.
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- Definition Deferred Tax Liabilities, Mark to Market No definition available.
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- Definition Deferred Tax Liabilities, Right Of Use Assets No definition available.
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- Definition Deferred Tax Liabilities, Servicing Asset And Other Adjustments No definition available.
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- References No definition available.
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- Definition Amount of deferred tax liability attributable to taxable temporary differences. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from intangible assets including goodwill. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from in-process research and development cost acquired in business combination or from joint venture formation or both. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, without jurisdictional netting. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- References No definition available.
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- Definition Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences, classified as other. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount, before allocation of a valuation allowances, of deferred tax assets attributable to deductible tax credit carryforwards including, but not limited to, research, foreign, general business, alternative minimum tax, and other deductible tax credit carryforwards. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from share-based compensation. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from allowance for credit loss on financing receivable. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount of deferred tax assets for which it is more likely than not that a tax benefit will not be realized. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount of deferred tax liability attributable to taxable temporary differences from intangible assets other than goodwill. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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