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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Narrative (Details) $ in Thousands | 1 Months Ended | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | --- | ---
Sep. 30, 2025 segment | Sep. 30, 2025 USD ($) | Sep. 30, 2024 USD ($) | Sep. 30, 2025 USD ($) | Sep. 30, 2024 USD ($) | Dec. 31, 2024 USD ($) segment | Dec. 31, 2023 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Number of operating segments | segment | 1 |  |  |  |  | 2 |
Reportable segments | segment | 1 |  |  |  |  |  |
Derivative, gain (loss) net |  | $ 300 | $ 0 | $ (6,100) | $ 0 | $ 300 |
Gain on sale of loans, net |  | 63,561 | 57,434 | 131,896 | 116,069 | 140,353 | $ 50,343
Impairment of internally developed software costs |  |  | 0 | 0 | 8,591 | 8,591 | 0
Sales and marketing |  | 22,144 | 15,031 | 54,077 | 40,979 | 55,657 | 52,761
Advertising expense |  | 19,100 | 13,400 | 46,000 | 37,500 | 50,100 | 46,500
Software Development |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Impairment of internally developed software costs |  |  |  |  | 6,300 | 6,300 |
Software Purchased |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Impairment of internally developed software costs |  |  |  |  | 2,300 | 2,300 |
Marketable Securities |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Gain on sale of loans, net |  | 900 | 900 | 4,500 | 2,700 | 1,100 | (2,900)
Changes in fair value |  |  |  | 2,235 |  | 10,176 | 1,962
Collateralized Loan Obligations |  |  |  |  |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |  |  |  |  |
Changes in fair value |  | $ 9,200 | $ 17,900 | $ 7,700 | $ 29,400 | $ 16,500 | $ (3,300)

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