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COMMITMENTS AND CONTINGENCIES -Narrative (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Jun. 30, 2025
Feb. 28, 2025
Dec. 31, 2024
Other Commitments [Line Items]              
Loans originated or purchased, borrowers permitted to draw amounts after original origination date, period     5 years        
Commitment to lend $ 41,200   $ 41,200       $ 29,100
Commitment to lend, settled within a week 41,100   41,100       $ 0
Gains (losses) on loans repurchase obligations 1,400 $ (1,800) (2,300) $ (6,000)      
Contributed capital     2,477 3,314      
Lease rent expense 700 700 1,900 2,000      
ROU assets 5,500   5,500        
Lease liabilities $ 5,822   $ 5,822        
Weighted average remaining lease term 4 years 3 months 18 days   4 years 3 months 18 days       1 year 2 months 12 days
Weighted average discount rate, percent 9.00%   9.00%       2.00%
Lease payments $ 700 $ 700 $ 2,000 $ 2,000      
Operating lease, term         5 years    
Joint Venture              
Other Commitments [Line Items]              
Noncontrolling owner, interest percentage           5.00%  
Joint Venture              
Other Commitments [Line Items]              
Contractual obligation           $ 10,500  
Contributed capital     2,500        
Obligation to Repurchase Receivables Sold              
Other Commitments [Line Items]              
Contractual obligation 14,600   14,600        
Unpaid principal balance 1,500,000   1,500,000        
Loss contingency accrual 6,400   6,400        
Securitization Commitments              
Other Commitments [Line Items]              
Contractual obligation 89,300   89,300        
Loan Purchase And Servicing Commitments              
Other Commitments [Line Items]              
Contractual obligation $ 13,400   $ 13,400       $ 142,200