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LOANS - Schedule of Past Due Aggregate Carrying Value of Loans Held (Details) - USD ($) $ in Thousands | Sep. 30, 2025 | Dec. 31, 2024 | Sep. 30, 2024 | Dec. 31, 2023 | Dec. 31, 2022
--- | --- | --- | --- | --- | ---
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB |  | $ 389,107 |  | $ 253,860 |
Carrying Value | $ 389,032 | 395,922 | $ 468,142 | 255,516 | $ 245,890
Loans Held for Sale |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB | 377,872 | 389,107 |  | 255,516 |
Carrying Value | 389,032 | 395,922 |  |  |
Carrying Value Over (Under) UPB | 11,160 | 6,815 |  | 1,655 |
Current |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB |  | 373,876 |  | 243,284 |
Carrying Value |  | 383,551 |  | 249,171 |
Current | Loans Held for Sale |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB | 360,044 | 373,876 |  |  |
Carrying Value | 371,990 | 383,551 |  |  |
Carrying Value Over (Under) UPB | 11,946 | 9,675 |  | 5,886 |
30 to 59 days |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB |  | 3,535 |  | 2,027 |
Carrying Value |  | 3,170 |  | 1,279 |
30 to 59 days | Loans Held for Sale |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB | 3,998 | 3,535 |  |  |
Carrying Value | 3,800 | 3,170 |  |  |
Carrying Value Over (Under) UPB | (198) | (365) |  | (748) |
60 to 89 days |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB |  | 2,440 |  | 1,309 |
Carrying Value |  | 2,125 |  | 805 |
60 to 89 days | Loans Held for Sale |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB | 2,362 | 2,440 |  |  |
Carrying Value | 2,332 | 2,125 |  |  |
Carrying Value Over (Under) UPB | (30) | (315) |  | (504) |
90 days or more |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB |  | 8,548 |  | 6,510 |
Carrying Value |  | 6,411 |  | 3,656 |
90 days or more | Loans Held for Sale |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB | 11,088 | 8,548 |  |  |
Carrying Value | 10,557 | 6,411 |  |  |
Carrying Value Over (Under) UPB | (531) | (2,137) |  | (2,854) |
Forbearance |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB |  | 708 |  | 730 |
Carrying Value |  | 665 |  | 605 |
Forbearance | Loans Held for Sale |  |  |  |  |
Financing Receivable, Past Due [Line Items] |  |  |  |  |
UPB | 380 | 708 |  |  |
Carrying Value | 353 | 665 |  |  |
Carrying Value Over (Under) UPB | $ (27) | $ (43) |  | $ (125) |

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