v3.26.1
COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($)
 3 Months Ended 6 Months Ended
Jun. 10, 2026
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Jul. 14, 2026
Dec. 31, 2025
Feb. 28, 2025
Other Commitments [Line Items]                
Loans originated or purchased, borrowers permitted to draw amounts after original origination date, period       5 years        
Commitment to lend   $ 128,100,000   $ 128,100,000     $ 105,100,000  
Commitment to lend, settled within a week   43,600,000   43,600,000     $ 16,900,000  
Gains (losses) on loans repurchase obligations   (1,600,000) $ (2,100,000) (1,600,000) $ (3,700,000)      
Pre-funded securitization, program fees   600,000            
Amount outstanding on loans securitized   0 574,700,000 0 574,700,000      
Contributed capital       4,040,000 1,264,000      
Lease rent expense   $ 700,000 600,000 $ 1,300,000 1,300,000      
Operating lease, right-of-use asset, statement of financial position flag   Other non-current assets   Other non-current assets        
ROU assets   $ 4,300,000   $ 4,300,000        
Lease liabilities   $ 4,776,000   $ 4,776,000        
Weighted average remaining lease term   4 years 2 months 12 days   4 years 2 months 12 days     4 years 2 months 12 days  
Weighted average discount rate, percent   10.20%   10.20%     9.30%  
Lease payments   $ 800,000 $ 400,000 $ 1,500,000 $ 1,100,000      
Borrowing Capacity   2,385,300,000   2,385,300,000        
HELOC loans                
Other Commitments [Line Items]                
Amount outstanding on loans securitized   300,000,000.0   300,000,000.0        
Bridge Loan Facility | Bridge Loan                
Other Commitments [Line Items]                
Debt instrument, term 364 days              
Borrowing Capacity $ 600,000,000.0              
Senior Notes Due 2031 | Subsequent Event                
Other Commitments [Line Items]                
Debt face amount           $ 600,000,000.0    
Interest rate percentage           8.50%    
Kiavi, Inc                
Other Commitments [Line Items]                
Termination fee       25,000,000.0        
Joint Venture                
Other Commitments [Line Items]                
Noncontrolling owner, interest percentage               5.00%
Joint Venture                
Other Commitments [Line Items]                
Contractual obligation               $ 10,500,000
Contributed capital       3,000,000.0        
Obligation to Repurchase Receivables Sold                
Other Commitments [Line Items]                
Unpaid principal balance   2,900,000,000   2,900,000,000     $ 1,800,000,000  
Contractual obligation   19,200,000   19,200,000        
Loss contingency accrual   $ 7,300,000   $ 7,300,000     $ 6,200,000