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FAIR VALUE OF FINANCIAL INSTRUMENTS (Qualitative Information for Assets and Liabilities) (Details) - USD ($) $ in Thousands | 9 Months Ended | 12 Months Ended |  |  |
--- | --- | --- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2022
Fair Value |  |  |  |  |  |
Servicing assets | $ 68,512 | $ 50,601 | $ 49,520 | $ 49,789 | $ 49,966 | $ 50,921
Foreclosed real estate | 4,419 | $ 9,555 | 10,780 | $ 6,526 | $ 10,639 | $ 11,214
Other repossessed assets | $ 6,969 |  | 4,032 |  |  |
Minimum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Constant prepayment rate | 0.85% | 3.33% |  |  |  |
Discount rate | 10.00% | 10.00% |  |  |  |
Maximum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Constant prepayment rate | 13.30% | 20.40% |  |  |  |
Discount rate | 15.50% | 15.50% |  |  |  |
Mortgage loans held for sale |  |  |  |  |  |
Fair Value |  |  |  |  |  |
Servicing assets | $ 21,400 |  |  |  |  |
Level 3 | Servicing Assets | Cash flow valuation |  |  |  |  |  |
Fair Value |  |  |  |  |  |
Servicing assets | $ 68,512 |  | $ 49,520 |  |  |
Level 3 | Servicing Assets | Cash flow valuation | Minimum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Constant prepayment rate | 0.85% |  | 1.35% |  |  |
Discount rate | 10.00% |  | 10.00% |  |  |
Level 3 | Servicing Assets | Cash flow valuation | Maximum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Constant prepayment rate | 13.30% |  | 17.34% |  |  |
Discount rate | 15.50% |  | 15.50% |  |  |
Level 3 | Servicing Assets | Cash flow valuation | Weighted Average |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Constant prepayment rate | 6.25% |  | 6.12% |  |  |
Discount rate | 11.61% |  | 11.45% |  |  |
Level 3 | Collateral dependent loans | Fair value of property or collateral |  |  |  |  |  |
Fair Value |  |  |  |  |  |
Collateral dependent loans | $ 8,583 |  | $ 8,027 |  |  |
Level 3 | Collateral dependent loans | Fair value of property or collateral | Minimum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Appraised value less disposition costs | 10.20% |  | 10.20% |  |  |
Level 3 | Collateral dependent loans | Fair value of property or collateral | Maximum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Appraised value less disposition costs | 33.20% |  | 33.20% |  |  |
Level 3 | Collateral dependent loans | Fair value of property or collateral | Weighted Average |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Appraised value less disposition costs | 17.04% |  | 17.00% |  |  |
Level 3 | Foreclosed real estate | Fair value of property or collateral |  |  |  |  |  |
Fair Value |  |  |  |  |  |
Foreclosed real estate | $ 4,419 |  | $ 10,780 |  |  |
Level 3 | Foreclosed real estate | Fair value of property or collateral | Minimum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Appraised value less disposition costs | 10.00% |  | 10.20% |  |  |
Level 3 | Foreclosed real estate | Fair value of property or collateral | Maximum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Appraised value less disposition costs | 33.00% |  | 33.20% |  |  |
Level 3 | Foreclosed real estate | Fair value of property or collateral | Weighted Average |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Appraised value less disposition costs | 11.10% |  | 12.67% |  |  |
Level 3 | Other repossessed assets | Fair value of property or collateral |  |  |  |  |  |
Fair Value |  |  |  |  |  |
Other repossessed assets | $ 6,969 |  | $ 4,032 |  |  |
Level 3 | Other repossessed assets | Fair value of property or collateral | Minimum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Estimated net realizable value | 37.00% |  | 31.00% |  |  |
Level 3 | Other repossessed assets | Fair value of property or collateral | Maximum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Estimated net realizable value | 71.00% |  | 77.00% |  |  |
Level 3 | Other repossessed assets | Fair value of property or collateral | Weighted Average |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Estimated net realizable value | 56.32% |  | 57.72% |  |  |
Level 3 | Mortgage loans held for sale | Fair value of property or collateral |  |  |  |  |  |
Fair Value |  |  |  |  |  |
Mortgage loans held for sale | $ 10,908 |  |  |  |  |
Level 3 | Mortgage loans held for sale | Fair value of property or collateral | Minimum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Estimated net realizable value | 94.06% |  |  |  |  |
Level 3 | Mortgage loans held for sale | Fair value of property or collateral | Maximum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Estimated net realizable value | 102.10% |  |  |  |  |
Level 3 | Mortgage loans held for sale | Fair value of property or collateral | Weighted Average |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Estimated net realizable value | 98.56% |  |  |  |  |
Level 3 | Other loans held for sale | Bids or sales contract prices |  |  |  |  |  |
Fair Value |  |  |  |  |  |
Other loans held for sale | $ 4,716 |  | $ 28,345 |  |  |
Level 3 | Other loans held for sale | Bids or sales contract prices | Minimum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Estimated market value | 99.75% |  | 52.00% |  |  |
Level 3 | Other loans held for sale | Bids or sales contract prices | Maximum |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Estimated market value | 101.21% |  | 103.20% |  |  |
Level 3 | Other loans held for sale | Bids or sales contract prices | Weighted Average |  |  |  |  |  |
Unobservable Input |  |  |  |  |  |
Estimated market value | 101.12% |  | 84.80% |  |  |

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