MORTGAGE SERVICING RIGHTS (Tables)

6 Months Ended

Jun. 30, 2026

Mortgage Servicing Rights MSR Disclosure [Abstract]

The following table presents the Company's MSR activity for the six months ended June 30, 2026 and the six months ended June 30, 2025:


	June 30, 2026			June 30, 2025
Balance at beginning of period	$	554,246		$	649,287
Changes in fair value due to:
Changes in valuation inputs or assumptions used in the valuation model	(5,888)			(22,372)
Other changes to fair value(1)	(41,625)			(36,602)
Balance at end of period	$	506,733		$	590,313

Loans associated with MSRs(2)	$	50,508,597		$	58,593,276
MSR values as percent of loans(3)	1.00		%	1.01		%

(1)Amounts represent changes due to realization of expected cash flows and prepayment of principal of the underlying loan portfolio.

(2)Amounts represent the unpaid principal balance of loans associated with MSRs outstanding at June 30, 2026 and June 30, 2025, respectively.

(3)Amounts represent the carrying value of MSRs at June 30, 2026 and June 30, 2025, respectively, divided by the outstanding balance of the loans associated with these MSRs.

Schedule of Components of Servicing Income

The following table presents the servicing income recorded on the Company's consolidated statements of operations for the three and six months ended June 30, 2026 and June 30, 2025:


	Three Months Ended June 30, 2026		Three Months Ended June 30, 2025
Servicing income, net	$	37,499	$	13,199
Total servicing income	$	37,499	$	13,199


	Six Months Ended June 30, 2026		Six Months Ended June 30, 2025
Servicing income, net	$	91,919	$	78,079
Total servicing income	$	91,919	$	78,079