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Segment Information (Tables)

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Schedule of Statement of Income and Balance Sheet by Segment

			Three Months Ended March 31, 2026
			Structured Business						Agency Business						Other (1)						Consolidated
Interest income			$	224,394					$	10,653					$	—					$	235,047
Interest expense			170,814						4,388						—						175,202
Net interest income			53,580						6,265						—						59,845
Other revenue:
Gain on sales, including fee-based services, net			—						12,505						—						12,505
Mortgage servicing rights			—						9,660						—						9,660
Servicing revenue			—						44,033						—						44,033
Amortization of MSRs			—						(18,293)						—						(18,293)
Property operating income			8,060						—						—						8,060
Loss on derivative instruments, net			—						(493)						—						(493)
Other income (loss), net			2,223						(149)						—						2,074
Total other revenue			10,283						47,263						—						57,546
Other expenses:
Employee compensation and benefits			18,862						24,963						—						43,825
Commissions			—						3,859						—						3,859
Selling and administrative			9,150						7,803						—						16,953
Property operating expenses			11,964						—						—						11,964
Depreciation and amortization			6,713						391						—						7,104
Impairment loss on real estate owned			12,500						—						—						12,500
Provision for loss sharing, net			—						4,537						—						4,537
Provision for credit losses, net			3,644						2,172						—						5,816
Total other expenses			62,833						43,725						—						106,558
Income before loss on real estate, income from equity affiliates and income taxes			1,030						9,803						—						10,833
Loss on real estate			(2,136)						—						—						(2,136)
Income from equity affiliates			4,411						—						—						4,411
Benefit from (provision for) income taxes			83						(2,168)						—						(2,085)
Net income			3,388						7,635						—						11,023
Preferred stock dividends			10,342						—						—						10,342
Net income attributable to noncontrolling interest			—						—						52						52
Net (loss) income attributable to common stockholders			$	(6,954)					$	7,635					$	(52)					$	629

			Three Months Ended March 31, 2025
			Structured Business						Agency Business						Other (1)						Consolidated
Interest income			$	230,087					$	10,606					$	—					$	240,693
Interest expense			161,579						3,672						—						165,251
Net interest income			68,508						6,934						—						75,442
Other revenue:
Gain on sales, including fee-based services, net			—						12,781						—						12,781
Mortgage servicing rights			—						8,131						—						8,131
Servicing revenue			—						43,361						—						43,361
Amortization of MSRs			—						(17,758)						—						(17,758)
Property operating income			4,387						—						—						4,387
Gain on derivative instruments, net			—						3,400						—						3,400
Other income, net			2,078						2,341						—						4,419
Total other revenue			6,465						52,256						—						58,721
Other expenses:
Employee compensation and benefits			18,157						23,266						—						41,423
Commissions			—						4,613						—						4,613
Selling and administrative			8,932						7,380						—						16,312
Property operating expenses			3,474						—						—						3,474
Depreciation and amortization			3,352						392						—						3,744
Provision for loss sharing, net			—						1,786						—						1,786
Provision for credit losses, net			9,154						(79)						—						9,075
Total other expenses			43,069						37,358						—						80,427
Income before extinguishment of debt, loss on real estate, loss from equity affiliates and income taxes			31,904						21,832						—						53,736
Loss on extinguishment of debt			(2,319)						—						—						(2,319)
Loss on real estate			(2,810)						—						—						(2,810)
Loss from equity affiliates			(1,634)						—						—						(1,634)
Benefit from (provision for) income taxes			639						(4,230)						—						(3,591)
Net income			25,780						17,602						—						43,382
Preferred stock dividends			10,342						—						—						10,342
Net income attributable to noncontrolling interest			—						—						2,602						2,602
Net income attributable to common stockholders			$	15,438					$	17,602					$	(2,602)					$	30,438

________________________

(1) Includes income allocated to the noncontrolling interest holders not allocated to the two reportable segments.

			March 31, 2026
			Structured Business						Agency Business						Consolidated
Assets:
Cash and cash equivalents			$	89,285					$	317,841					$	407,126
Restricted cash			359,569						33,960						393,529
Loans and investments, net			11,835,381						—						11,835,381
Loans held-for-sale, net			—						443,218						443,218
Capitalized mortgage servicing rights, net			—						331,929						331,929
Securities held-to-maturity, net			—						155,469						155,469
Investments in equity affiliates			56,747						—						56,747
Real estate owned, net			520,766						—						520,766
Goodwill and other intangible assets			12,500						73,661						86,161
Other assets and due from related party			387,609						74,550						462,159
Total assets			$	13,261,857					$	1,430,628					$	14,692,485
Liabilities:
Debt obligations			$	10,904,398					$	424,865					$	11,329,263
Allowance for loss-sharing obligations			—						106,773						106,773
Other liabilities and due to related parties			212,622						64,777						277,399
Total liabilities			$	11,117,020					$	596,415					$	11,713,435
			December 31, 2025
Assets:
Cash and cash equivalents			$	124,141					$	358,734					$	482,875
Restricted cash			35,258						32,089						67,347
Loans and investments, net			11,934,248						—						11,934,248
Loans held-for-sale, net			—						409,081						409,081
Capitalized mortgage servicing rights, net			—						340,842						340,842
Securities held-to-maturity, net			—						156,087						156,087
Investments in equity affiliates			57,966						—						57,966
Real estate owned, net			498,938						—						498,938
Goodwill and other intangible assets			12,500						74,053						86,553
Other assets and due from related party			382,735						78,231						460,966
Total assets			$	13,045,786					$	1,449,117					$	14,494,903
Liabilities:
Debt obligations			$	10,625,053					$	390,396					$	11,015,449
Allowance for loss-sharing obligations			—						97,579						97,579
Other liabilities and due to related parties			241,873						72,849						314,722
Total liabilities			$	10,866,926					$	560,824					$	11,427,750

Schedule of Origination Data and Loans Sales Data By Segment

						Three Months Ended March 31,
						2026						2025
Origination Data:
Structured Business
Bridge:
Multifamily						$	405,600					$	367,750
SFR						321,122						356,294
						726,722						724,044
Construction - Multifamily						40,870						18,637
Mezzanine / Preferred Equity						—						4,440
Total New Loan Originations						$	767,592					$	747,121
Number of Loans Originated						6						20
Commitments:
Construction - Multifamily						$	113,070					$	92,000
SFR						53,000						162,400
Total Commitments						$	166,070					$	254,400
Loan Runoff						$	861,033					$	421,941
Agency Business
Origination Volumes by Investor:
Fannie Mae						$	570,815					$	357,811
Freddie Mac						91,255						178,020
FHA						45,507						16,041
Private Label						—						44,925
SFR - Fixed Rate						—						9,111
Total New Loan Originations						$	707,577					$	605,908
Total Loan Commitment Volume						$	733,860					$	645,401
Agency Business Loan Sales Data:
Fannie Mae						$	571,579					$	355,716
Freddie Mac						77,003						298,485
FHA						22,390						67,542
SFR - Fixed Rate						—						9,111
Total Loan Sales						$	670,972					$	730,854
Sales Margin (fee-based services as a % of loan sales)						1.86			%			1.75			%
MSR Rate (MSR income as a % of loan commitments)						1.32			%			1.26			%

________________________

Schedule of Key Servicing Metrics for Agency Business

						March 31, 2026
Key Servicing Metrics for Agency Business:						Servicing Portfolio UPB						Wtd. Avg. Servicing Fee Rate (basis points)						Wtd. Avg. Life of Portfolio (years)
Fannie Mae						$	24,261,724					44.4						5.4
Freddie Mac						7,368,979						18.2						5.7
Private Label						2,554,209						18.7						4.3
FHA						1,584,644						13.8						19.0
Bridge						277,523						10.4						2.0
SFR - Fixed Rate						264,008						20.0						3.8
Total						$	36,311,087					35.5						5.9
						December 31, 2025
Fannie Mae						$	24,085,960					44.7						5.5
Freddie Mac						7,455,088						18.3						5.9
Private Label						2,558,048						18.7						4.5
FHA						1,549,483						13.9						19.1
Bridge						277,738						10.4						2.2
SFR - Fixed Rate						277,490						20.0						4.0
Total						$	36,203,807					35.6						6.1

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Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

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-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

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-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

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