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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loan Summary (Details) - USD ($) $ in Thousands | Mar. 31, 2022 | Dec. 31, 2021 | Mar. 31, 2021 | Dec. 31, 2020
--- | --- | --- | --- | ---
Loans receivable, net |  |  |  |
Gross loans, including deferred origination costs | $ 7,422,253 | $ 7,373,639 |  |
Allowance for credit losses | (50,147) | (49,869) | $ (55,069) | $ (60,869)
Net loans | 7,372,106 | 7,323,770 |  |
Commercial Portfolio Segment | Business Lending |  |  |  |
Loans receivable, net |  |  |  |
Gross loans, including deferred origination costs | 3,102,533 | 3,075,904 |  |
Allowance for credit losses | (20,008) | (21,021) | (27,042) | (28,190)
Residential Portfolio Segment | Consumer Mortgage |  |  |  |
Loans receivable, net |  |  |  |
Allowance for credit losses | (10,324) | (10,017) | (9,686) | (10,672)
Consumer Portfolio Segment | Consumer Mortgage |  |  |  |
Loans receivable, net |  |  |  |
Gross loans, including deferred origination costs | 2,592,586 | 2,556,114 |  |
Consumer Portfolio Segment | Consumer Indirect |  |  |  |
Loans receivable, net |  |  |  |
Gross loans, including deferred origination costs | 1,176,373 | 1,189,749 |  |
Allowance for credit losses | (12,866) | (11,737) | (11,120) | (13,696)
Consumer Portfolio Segment | Consumer Direct |  |  |  |
Loans receivable, net |  |  |  |
Gross loans, including deferred origination costs | 152,445 | 153,811 |  |
Allowance for credit losses | (2,725) | (2,306) | (2,682) | (3,207)
Consumer Portfolio Segment | Home Equity |  |  |  |
Loans receivable, net |  |  |  |
Gross loans, including deferred origination costs | 398,316 | 398,061 |  |
Allowance for credit losses | $ (1,468) | $ (1,814) | $ (1,543) | $ (2,222)

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