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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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