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FAIR VALUE OF FINANCIAL INSTRUMENTS (Qualitative Information for Assets and Liabilities) (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended |  |
--- | --- | --- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Dec. 31, 2024 | Sep. 30, 2024 | Dec. 31, 2023
Fair Value |  |  |  |  |
Servicing assets | $ 69,238 | $ 49,553 | $ 70,435 |  | $ 49,520
Foreclosed real estate | 4,271 | $ 10,850 | 4,002 |  | $ 10,780
Other repossessed assets | 6,656 |  | 6,595 |  |
Recurring fair value measurements |  |  |  |  |
Fair Value |  |  |  |  |
Servicing assets | $ 69,238 |  | 70,435 |  |
Minimum |  |  |  |  |
Unobservable Input |  |  |  |  |
Constant prepayment rate | 1.30% | 1.14% |  |  |
Discount rate | 10.00% | 10.00% |  |  |
Maximum |  |  |  |  |
Unobservable Input |  |  |  |  |
Constant prepayment rate | 18.14% | 15.08% |  |  |
Discount rate | 15.50% | 15.50% |  |  |
Mortgage loans held for sale |  |  |  |  |
Fair Value |  |  |  |  |
Servicing assets |  |  |  | $ 21,400 |
Level 3 | Recurring fair value measurements |  |  |  |  |
Fair Value |  |  |  |  |
Servicing assets | $ 69,238 |  | 70,435 |  |
Level 3 | Servicing Assets | Cash flow valuation |  |  |  |  |
Fair Value |  |  |  |  |
Servicing assets | $ 69,238 |  | $ 70,435 |  |
Level 3 | Servicing Assets | Cash flow valuation | Minimum |  |  |  |  |
Unobservable Input |  |  |  |  |
Constant prepayment rate | 1.30% |  | 1.09% |  |
Discount rate | 10.00% |  | 10.00% |  |
Level 3 | Servicing Assets | Cash flow valuation | Maximum |  |  |  |  |
Unobservable Input |  |  |  |  |
Constant prepayment rate | 18.14% |  | 15.28% |  |
Discount rate | 15.50% |  | 15.50% |  |
Level 3 | Servicing Assets | Cash flow valuation | Weighted Average |  |  |  |  |
Unobservable Input |  |  |  |  |
Constant prepayment rate | 5.92% |  | 5.83% |  |
Discount rate | 11.61% |  | 11.61% |  |
Level 3 | Collateral dependent loans | Fair value of property or collateral |  |  |  |  |
Fair Value |  |  |  |  |
Collateral dependent loans | $ 5,602 |  | $ 6,877 |  |
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 | 20.09% |  | 18.14% |  |
Level 3 | Foreclosed real estate | Fair value of property or collateral |  |  |  |  |
Fair Value |  |  |  |  |
Foreclosed real estate | $ 4,271 |  | $ 4,002 |  |
Level 3 | Foreclosed real estate | Fair value of property or collateral | Minimum |  |  |  |  |
Unobservable Input |  |  |  |  |
Appraised value less disposition costs | 10.20% |  | 10.20% |  |
Level 3 | Foreclosed real estate | Fair value of property or collateral | Maximum |  |  |  |  |
Unobservable Input |  |  |  |  |
Appraised value less disposition costs | 33.20% |  | 33.20% |  |
Level 3 | Foreclosed real estate | Fair value of property or collateral | Weighted Average |  |  |  |  |
Unobservable Input |  |  |  |  |
Appraised value less disposition costs | 13.26% |  | 13.16% |  |
Level 3 | Other repossessed assets | Fair value of property or collateral |  |  |  |  |
Fair Value |  |  |  |  |
Other repossessed assets | $ 6,656 |  | $ 6,595 |  |
Level 3 | Other repossessed assets | Fair value of property or collateral | Minimum |  |  |  |  |
Unobservable Input |  |  |  |  |
Estimated net realizable value | 40.00% |  | 37.00% |  |
Level 3 | Other repossessed assets | Fair value of property or collateral | Maximum |  |  |  |  |
Unobservable Input |  |  |  |  |
Estimated net realizable value | 69.00% |  | 69.00% |  |
Level 3 | Other repossessed assets | Fair value of property or collateral | Weighted Average |  |  |  |  |
Unobservable Input |  |  |  |  |
Estimated net realizable value | 50.48% |  | 54.73% |  |
Level 3 | Mortgage loans held for sale | Fair value of property or collateral |  |  |  |  |
Fair Value |  |  |  |  |
Mortgage loans held for sale | $ 12,439 |  | $ 13,286 |  |
Level 3 | Mortgage loans held for sale | Fair value of property or collateral | Minimum |  |  |  |  |
Unobservable Input |  |  |  |  |
Estimated net realizable value | 93.61% |  | 89.38% |  |
Level 3 | Mortgage loans held for sale | Fair value of property or collateral | Maximum |  |  |  |  |
Unobservable Input |  |  |  |  |
Estimated net realizable value | 102.41% |  | 101.38% |  |
Level 3 | Mortgage loans held for sale | Fair value of property or collateral | Weighted Average |  |  |  |  |
Unobservable Input |  |  |  |  |
Estimated net realizable value | 97.63% |  | 95.01% |  |
Level 3 | Other loans held for sale | Bids or sales contract prices |  |  |  |  |
Fair Value |  |  |  |  |
Other loans held for sale | $ 4,362 |  | $ 4,446 |  |
Level 3 | Other loans held for sale | Bids or sales contract prices | Minimum |  |  |  |  |
Unobservable Input |  |  |  |  |
Estimated market value | 103.16% |  | 101.21% |  |
Level 3 | Other loans held for sale | Bids or sales contract prices | Maximum |  |  |  |  |
Unobservable Input |  |  |  |  |
Estimated market value | 103.16% |  | 101.21% |  |
Level 3 | Other loans held for sale | Bids or sales contract prices | Weighted Average |  |  |  |  |
Unobservable Input |  |  |  |  |
Estimated market value | 103.16% |  | 101.21% |  |

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