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SERVICING - Schedules of Geographic Concentration of the Loans (Details) - USD ($) $ in Thousands | 9 Months Ended | 12 Months Ended
--- | --- | ---
Sep. 30, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 11,298,223 | $ 8,096,883 | $ 5,195,599
% of Total | 100.00% | 100.00% | 100.00%
California | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 2,872,702 | $ 2,146,371 | $ 1,449,585
California | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 25.40% | 26.50% | 27.90%
Florida | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 1,357,888 | $ 990,404 | $ 593,697
Florida | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 12.00% | 12.20% | 11.40%
Arizona | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 562,655 | $ 429,469 | $ 270,442
Arizona | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 5.00% | 5.30% | 5.20%
Georgia | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 521,330 | $ 407,651 | $ 278,231
Georgia | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 4.60% | 5.00% | 5.40%
Washington | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 456,709 | $ 362,370 | $ 261,653
Washington | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 4.00% | 4.50% | 5.00%
New Jersey | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 415,090 | $ 320,124 | $ 211,344
New Jersey | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 3.70% | 4.00% | 4.10%
North Carolina | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 327,759 | $ 261,013 | $ 198,984
North Carolina | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 2.90% | 3.20% | 3.80%
Virginia | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 360,311 | $ 239,559 | $ 156,333
Virginia | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 3.20% | 3.00% | 3.00%
Virginia | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans |  | $ 241,844 |
Virginia | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total |  | 3.00% |
Colorado | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 305,980 | $ 241,844 | $ 168,289
Colorado | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 2.70% | 3.00% | 3.20%
Colorado | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans |  | $ 239,559 |
Colorado | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total |  | 3.00% |
Ohio | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 350,075 | $ 227,069 | $ 141,239
Ohio | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 3.10% | 2.80% | 2.70%
Other | Geographic Distribution, Foreign |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 2,800 | $ 0 |
Other | Concentration Risk |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
UPB of Underlying Loans | $ 3,767,724 | $ 2,471,009 | $ 1,465,802
Other | Concentration Risk | Loans Underlying Servicing Assets |  |  |
Customer Securities for which Entity has Right to Sell or Repledge (Including Securities Sold or Repledged) [Line Items] |  |  |
% of Total | 33.40% | 30.50% | 28.20%

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