v3.26.1
LOANS HELD FOR INVESTMENT, NET
6 Months Ended
Jun. 30, 2026
Receivables [Abstract]  
LOANS HELD FOR INVESTMENT, NET LOANS HELD FOR INVESTMENT, NET
Loans held for investment, net consisted of the following:
June 30, 2026December 31, 2025
Loans held for investment
$167,590 $148,221 
Less: allowance for expected credit losses
(70,192)(76,640)
Total loans held for investment, net
$97,398 $71,581 
As of June 30, 2026, $13.8 million of loans held for investment are pledged as collateral under the warehouse credit facility. See Note 11 - Indebtedness and Note 12 - Variable Interest Entities for more information.
The Company analyzes its loans held for investment based on the aging of unpaid principal. This is the credit quality indicator management uses to evaluate the allowance for expected credit losses on loans held for investment. Below is a summary of the loans held for investment by vintage:
Days from originationJune 30, 2026December 31, 2025
1 - 30$99,796 $64,779 
31 - 608,035 9,456 
61 - 905,953 9,794 
91 - 1205,366 7,982 
121 - 180
8,946 15,353 
181 - 270
19,220 21,783 
Greater than 270
20,274 19,074 
Total$167,590 $148,221