v3.26.1
Debt (Details - Debt outstanding) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2026
Dec. 31, 2025
Line of Credit Facility [Line Items]    
Warehouse lines of credit $ 679,900 $ 324,871
Residual interest financing 168,809 142,982
Subordinated renewable notes 28,461 28,986
Total debt outstanding $ 880,855 $ 500,701
Warehouse Lines Of Credit 1 [Member]    
Line of Credit Facility [Line Items]    
Interest rate 2.85% over CP yield rate (Minimum 3.60%) 6.74% and 6.80% 2.85% over CP yield rate (Minimum 3.60%) 6.74% and 6.80%
Interest rate date description 6.40% over SOFR yield rate (Minimum 7.15%) 10.31% and 10.40% 6.40% over SOFR yield rate (Minimum 7.15%) 10.31% and 10.40%
Maturity date description July 2028  
Warehouse lines of credit $ 327,942 $ 197,107
Warehouse Lines Of Credit 2 [Member]    
Line of Credit Facility [Line Items]    
Interest rate   4.50% over a commercial paper rate (Minimum 7.50%) 8.25%
Maturity date description April 2026  
Warehouse lines of credit $ 0 $ 11,778
Warehouse Lines Of Credit 3 [Member]    
Line of Credit Facility [Line Items]    
Interest rate 2.60% over SOFR yield rate (Minimum 2.85%) 6.23% and 6.50% 2.60% over SOFR yield rate (Minimum 2.85%) 6.23% and 6.50%
Interest rate date description 6.40% over SOFR yield rate (Minimum 6.65%) 10.02% and 10.27% 6.40% over SOFR yield rate (Minimum 6.65%) 10.02% and 10.27%
Maturity date description October 2027  
Warehouse lines of credit $ 353,683 $ 118,323
Residual Interest Financing [Member]    
Line of Credit Facility [Line Items]    
Maturity date description December 2028  
Interest rate 7.86%  
Residual interest financing $ 11,078 31,163
Residual Interest Financing 1 [Member]    
Line of Credit Facility [Line Items]    
Maturity date description March 2029  
Interest rate 11.50%  
Residual interest financing $ 46,881 49,820
Residual Interest Financing 2 [Member]    
Line of Credit Facility [Line Items]    
Maturity date description June 2032  
Interest rate 11.00%  
Residual interest financing $ 62,810 63,524
Residual Interest Financing 3 [Member]    
Line of Credit Facility [Line Items]    
Maturity date description May 2033  
Interest rate 8.75%  
Residual interest financing $ 50,000 $ 0
Subordinated Renewable Notes [Member]    
Line of Credit Facility [Line Items]    
Maturity date description March 2028 November 2027
Debt instrument, interest rate 8.78% 8.98%
Subordinated renewable notes $ 28,461 $ 28,986