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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Narrative (Details) $ in Thousands |  | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | --- | ---
Aug. 29, 2025 segment | Sep. 30, 2025 USD ($) | Sep. 30, 2024 USD ($) | Sep. 30, 2025 USD ($) | Sep. 30, 2024 USD ($) | Dec. 31, 2024 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |
Derivative, gain (loss) net |  | $ 300 | $ 0 | $ (6,100) | $ 0 |
Gain on sale of loans, net |  | 63,561 | 57,434 | 131,896 | 116,069 |
Impairment of internally developed software costs |  |  | 0 | 0 | 8,591 |
Sales and marketing |  | 22,144 | 15,031 | 54,077 | 40,979 |
Advertising expense |  | 19,100 | 13,400 | 46,000 | 37,500 |
Operating segments | segment | 2 |  |  |  |  |
Software Development |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |
Impairment of internally developed software costs |  |  |  |  | 6,300 |
Software Purchased |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |
Impairment of internally developed software costs |  |  |  |  | 2,300 |
Collateralized Loan Obligations |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |
Changes in fair value |  | 9,200 | 17,900 | 7,700 | 29,400 |
Marketable Securities |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |
Gain on sale of loans, net |  | $ 900 | $ 900 | 4,500 | $ 2,700 |
Changes in fair value |  |  |  | $ 2,235 |  | $ 10,176

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