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v3.25.3

Debt - Schedule of Debt (Details) - USD ($) $ in Thousands | 1 Months Ended | 3 Months Ended | 9 Months Ended |
--- | --- | --- | --- | ---
Apr. 30, 2025 | Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 450,628 |  | $ 450,628 |  | $ 474,855
Unamortized deferred financing costs |  | (2,840) |  | (2,840) |  | (1,679)
Total Debt Carried at Cost, Net |  | 447,788 |  | 447,788 |  | 473,176
Debt, current, fair value |  | 18,962 |  | 18,962 |  | 0
Total Debt Carried at Cost, Net |  | $ 466,750 |  | $ 466,750 |  | 473,176
Debt repurchase exit fee, percentage |  | 0.50% |  | 0.50% |  |
Amortization of deferred financing costs |  | $ 300 | $ 100 | $ 732 | $ 712 |
Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | 211,499 |  | 211,499 |  | 305,850
Warehouse Facility 1 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 0 |  | $ 0 |  | 28,286
Weighted Average Funding Cost |  | 0.00% |  | 0.00% |  |
Collateral Carrying Value |  | $ 0 |  | $ 0 |  |
Warehouse Facility 2 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 21,270 |  | $ 21,270 |  | 61,007
Weighted Average Funding Cost |  | 6.40% |  | 6.40% |  |
Collateral Carrying Value |  | $ 24,584 |  | $ 24,584 |  |
Debt instrument, basis spread on variable rate |  |  |  | 2.25% |  |
Warehouse Facility 3 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 0 |  | $ 0 |  | 26,227
Weighted Average Funding Cost |  | 0.00% |  | 0.00% |  |
Collateral Carrying Value |  | $ 0 |  | $ 0 |  |
Quarterly variable exit fee based on first principal balance repurchased amount |  | 50,000 |  | 50,000 |  |
Quarterly variable exit fee based on principal balance repurchased in excess of amount |  | $ 50,000 |  | $ 50,000 |  |
Warehouse Facility 3 | Funding Debt | Minimum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt repurchase exit fee, percentage |  | 0.125% |  | 0.125% |  |
Warehouse Facility 3 | Funding Debt | Maximum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt repurchase exit fee, percentage |  | 1.50% |  | 1.50% |  |
Warehouse Facility 4 |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Line of credit facility, unused capacity, commitment fee percentage |  |  |  | 0.50% |  |
Warehouse Facility 4 | Minimum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, basis spread on variable rate |  |  |  | 2.15% |  |
Warehouse Facility 4 | Maximum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, basis spread on variable rate |  |  |  | 5.50% |  |
Warehouse Facility 4 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 59,647 |  | $ 59,647 |  | 68,568
Weighted Average Funding Cost |  | 6.70% |  | 6.70% |  |
Collateral Carrying Value |  | $ 60,367 |  | $ 60,367 |  |
Warehouse Facility 5 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 0 |  | $ 0 |  | 21,697
Weighted Average Funding Cost |  | 0.00% |  | 0.00% |  |
Collateral Carrying Value |  | $ 0 |  | $ 0 |  |
REIT Warehouse |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt repurchase exit fee, percentage |  | 0.15% |  | 0.15% |  |
Debt instrument exit fee, repurchased, non-securitized loan amount, maximum |  | $ 500 |  | $ 500 |  |
REIT Warehouse | Minimum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt Instrument, interest rate basis, average purchased mortgage loans during pricing period, amount |  |  |  | $ 100,000 |  |
Debt instrument, interest rate during period |  |  |  | 3.00% |  |
REIT Warehouse | Maximum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, interest rate during period |  |  |  | 3.50% |  |
Debt instrument, interest rate basis, average purchased mortgage loans during pricing period, maximum amount |  |  |  | $ 100,000 |  |
REIT Warehouse | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 42,106 |  | $ 42,106 |  | 99,204
Weighted Average Funding Cost |  | 7.70% |  | 7.70% |  |
Collateral Carrying Value |  | $ 38,510 |  | $ 38,510 |  |
Warehouse Facility 6 |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, basis spread on variable rate |  |  |  | 3.50% |  |
Debt repurchase exit fee, percentage |  | 0.50% |  | 0.50% |  |
Warehouse Facility 6 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 0 |  | $ 0 |  | 0
Weighted Average Funding Cost |  | 0.00% |  | 0.00% |  |
Collateral Carrying Value |  | $ 0 |  | $ 0 |  |
Warehouse Facility 7 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 0 |  | $ 0 |  | 0
Weighted Average Funding Cost |  | 0.00% |  | 0.00% |  |
Collateral Carrying Value |  | $ 0 |  | $ 0 |  |
Warehouse Facility 8 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 0 |  | $ 0 |  | 0
Weighted Average Funding Cost |  | 0.00% |  | 0.00% |  |
Collateral Carrying Value |  | $ 0 |  | $ 0 |  |
Warehouse Facility 9 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 0 |  | $ 0 |  | 861
Weighted Average Funding Cost |  | 0.00% |  | 0.00% |  |
Collateral Carrying Value |  | $ 0 |  | $ 0 |  |
Warehouse Facility 10 |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, basis spread on variable rate |  |  |  | 2.35% |  |
Warehouse Facility 10 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 17,637 |  | $ 17,637 |  | 0
Weighted Average Funding Cost |  | 6.50% |  | 6.50% |  |
Collateral Carrying Value |  | $ 17,929 |  | $ 17,929 |  |
Warehouse Facility 11 | Minimum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, basis spread on variable rate |  |  |  | 1.75% |  |
Warehouse Facility 11 | Maximum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, basis spread on variable rate |  |  |  | 2.00% |  |
Warehouse Facility 11 | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 60,946 |  | $ 60,946 |  | 0
Weighted Average Funding Cost |  | 6.50% |  | 6.50% |  |
Collateral Carrying Value |  | $ 62,029 |  | $ 62,029 |  |
Digital Asset Loan Facility |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, basis spread on variable rate | 13.50% |  |  |  |  |
Debt instrument, interest rate, stated percentage |  | 13.50% |  | 13.50% |  |
Digital Asset Loan Facility | Funding Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 9,893 |  | $ 9,893 |  | 0
Weighted Average Funding Cost |  | 13.90% |  | 13.90% |  |
Collateral Carrying Value |  | $ 10,032 |  | $ 10,032 |  |
Lender 1 | MSR Financing |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 40,000 |  | $ 40,000 |  | 40,000
Weighted Average Funding Cost |  | 16.80% |  | 16.80% |  |
Collateral Carrying Value |  | $ 65,907 |  | $ 65,907 |  |
Debt instrument, interest rate, stated percentage |  | 16.50% |  | 16.50% |  |
Retained Interest Facility | Financed Retained Interests |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Carrying Value |  | $ 199,129 |  | $ 199,129 |  | 129,005
Weighted Average Funding Cost |  | 6.60% |  | 6.60% |  |
Collateral Carrying Value |  | $ 199,178 |  | $ 199,178 |  |
Retained Interest Facility | Financed Retained Interests | Minimum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, basis spread on variable rate |  |  |  | 0.50% |  |
Retained Interest Facility | Financed Retained Interests | Maximum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt instrument, basis spread on variable rate |  |  |  | 0.55% |  |
FCC Certificates |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt, current, fair value |  | 1,156 |  | $ 1,156 |  | 0
Debt instrument, basis spread on variable rate |  |  |  | 0.50% |  |
Debt maturity period |  |  |  | 20 years |  |
Democratized Price YLDS |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Debt, current, fair value |  | $ 17,806 |  | $ 17,806 |  | $ 0
Debt average interest rate |  | 9.00% |  | 9.00% |  |

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