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COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended |
--- | --- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024 | Dec. 31, 2023 | Feb. 28, 2025
Other Commitments [Line Items] |  |  |  |  |  |  |
Loans originated or purchased, borrowers permitted to draw amounts after original origination date, period |  |  | 5 years |  | 5 years |  |
Commitment to lend | $ 41,200 |  | $ 41,200 |  | $ 29,100 | $ 37,700 |
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) | 8,200 | 10,100 |
Contributed capital |  |  | 2,477 | 3,314 | 3,314 | 0 |
Lease rent expense | 700 | 700 | 1,900 | 2,000 | 2,800 | $ 2,900 |
ROU assets | 5,500 |  | 5,500 |  | 2,500 |  |
Lease liabilities | $ 5,822 |  | $ 5,822 |  | $ 2,790 |  |
Weighted average remaining lease term | 4 years 3 months 18 days |  | 4 years 3 months 18 days |  | 1 year 2 months 12 days | 2 years 1 month 6 days |
Weighted average discount rate, percent | 9.00% |  | 9.00% |  | 2.00% | 1.90% |
Lease payments | $ 700 | $ 700 | $ 2,000 | $ 2,000 | $ 3,000 | $ 2,900 |
Operating lease, term | 5 years |  | 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 |  | 13,800 |  |
Unpaid principal balance | 1,500,000 |  | 1,500,000 |  | 698,100 |  |
Loss contingency accrual | 6,400 |  | 6,400 |  | 6,000 |  |
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 | $ 25,600 |

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