v3.26.1
DEBT - Warehouse Credit Facility (Details) - USD ($)
$ in Thousands
1 Months Ended 12 Months Ended
Nov. 30, 2022
Jan. 31, 2026
Jan. 31, 2025
Jan. 31, 2024
Debt Instrument [Line Items]        
Payments of borrowings of debt   $ 550,511 $ 35,758 $ 725
Revolving Credit Facility | Warehouse credit facility | Line of Credit        
Debt Instrument [Line Items]        
Total commitment amount $ 200,000 $ 250,000    
Minimum utilization 50.00% 40.00%    
Unused capacity, commitment fee 0.50%      
Commitment fee $ 2,000 $ 2,800 1,400  
Proceeds from borrowings of debt   35,000 37,800  
Payments of borrowings of debt   131,100 30,000  
Interest expense   15,600 22,900 15,000
Interest paid and payable   14,300 21,400 14,000
Amortization of debt issuance costs   $ 1,300 $ 1,500 $ 1,000
Revolving Credit Facility | Warehouse Credit Facility, Class A Facility | Line of Credit        
Debt Instrument [Line Items]        
Total commitment amount 171,100      
Revolving Credit Facility | Warehouse Credit Facility, Class B Facility | Line of Credit        
Debt Instrument [Line Items]        
Total commitment amount $ 28,900