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SERVICING - Schedule of Servicing Assets (Details) $ in Thousands | 9 Months Ended | 12 Months Ended |
--- | --- | --- | ---
Sep. 30, 2025 USD ($) loan | Sep. 30, 2024 USD ($) loan | Dec. 31, 2024 USD ($) loan | Dec. 31, 2023 USD ($) loan | Dec. 31, 2022 USD ($)
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items] |  |  |  |  |
UPB of Underlying Loans | $ 11,298,223 |  | $ 8,096,883 | $ 5,195,599 |
Loan Count | loan | 302,339 |  | 113,707 | 75,294 |
Carrying value | $ 100,000 | $ 74,440 | $ 88,497 | $ 55,860 | $ 33,777
HELOC loans | Servicing Assets |  |  |  |  |
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items] |  |  |  |  |
UPB of Underlying Loans | 11,148,741 |  | $ 7,933,975 | $ 5,018,260 |
Loan Count | loan |  | 302,066 | 113,413 | 74,980 |
Carrying value | 98,120 |  | $ 86,465 | $ 53,645 |
Mortgage loans | Servicing Assets |  |  |  |  |
Contractually Specified Servicing Fees, Late Fees, and Ancillary Fees Earned in Exchange for Servicing Financial Assets [Line Items] |  |  |  |  |
UPB of Underlying Loans | 149,482 |  | $ 162,908 | $ 177,339 |
Loan Count | loan |  | 273 | 294 | 314 |
Carrying value | $ 1,880 |  | $ 2,032 | $ 2,215 |

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- Definition This is the sum of principal amount outstanding for both securitized and unsecuritized loans of all types. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Subparagraph (a) -Paragraph 4 -SubTopic 20 -Topic 860 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481326/860-20-50-4 + Details
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