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LOANS HELD FOR INVESTMENT, NET - Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | $ 83,853 | $ 41,461 | $ 28,441
Day 1 acquired PCD loans |  | 52,284 |
Provision (credit) for credit losses | 6,910 | 3,303 | 26,165
Charge-offs | (11,454) | (9,578) | (13,309)
Recoveries | 4,198 | 302 | 164
Allowance for credit losses, Ending balance | 83,507 | 83,853 | 41,461
Non-accrual with No Allowance | 6,075 |  |
Reserve | 22,389 |  |
Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | (3,919) |  |
Allowance for credit losses, Ending balance |  | (3,919) |
Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 37,542 |  |
Allowance for credit losses, Ending balance |  | 37,542 |
Total real estate loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 47,771 | 28,712 | 15,555
Day 1 acquired PCD loans |  | 28,753 |
Provision (credit) for credit losses | (4,446) | (4,077) | 16,234
Charge-offs |  | (3,817) | (3,207)
Recoveries | 56 | 176 | 130
Allowance for credit losses, Ending balance | 43,381 | 47,771 | 28,712
Total real estate loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | (1,976) |  |
Allowance for credit losses, Ending balance |  | (1,976) |
Total real estate loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 26,736 |  |
Allowance for credit losses, Ending balance |  | 26,736 |
One-to-four family residential and cooperative/condominium apartment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 5,932 | 644 | 269
Day 1 acquired PCD loans |  | 2,220 |
Provision (credit) for credit losses | 37 | 1,975 | 386
Charge-offs |  | (20) | (11)
Recoveries |  | 65 |
Allowance for credit losses, Ending balance | 5,969 | 5,932 | 644
Non-accrual with Allowance | 3,203 |  |
Reserve | 181 |  |
One-to-four family residential and cooperative/condominium apartment | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 1,048 |  |
Allowance for credit losses, Ending balance |  | 1,048 |
One-to-four family residential and cooperative/condominium apartment | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 1,692 |  |
Allowance for credit losses, Ending balance |  | 1,692 |
Multifamily residential and residential mixed-use |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 7,816 | 17,016 | 10,142
Day 1 acquired PCD loans |  | 3,292 |
Provision (credit) for credit losses | 542 | (3,921) | 9,934
Charge-offs |  | (391) | (3,190)
Recoveries | 2 | 74 | 130
Allowance for credit losses, Ending balance | 8,360 | 7,816 | 17,016
Multifamily residential and residential mixed-use | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | (8,254) |  |
Allowance for credit losses, Ending balance |  | (8,254) |
Multifamily residential and residential mixed-use | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 8,762 |  |
Allowance for credit losses, Ending balance |  | 8,762 |
Acquisition, development, and construction |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 4,857 | 1,993 | 1,244
Day 1 acquired PCD loans |  | 117 |
Provision (credit) for credit losses | (3,134) | 2,366 | 749
Allowance for credit losses, Ending balance | 1,723 | 4,857 | 1,993
Non-accrual with No Allowance | 657 |  |
Acquisition, development, and construction | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 381 |  |
Allowance for credit losses, Ending balance |  | 381 |
Acquisition, development, and construction | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 2,374 |  |
Allowance for credit losses, Ending balance |  | 2,374 |
Commercial real estate ("CRE") |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 29,166 | 9,059 | 3,900
Day 1 acquired PCD loans |  | 23,124 |
Provision (credit) for credit losses | (1,891) | (4,497) | 5,165
Charge-offs |  | (3,406) | (6)
Recoveries | 54 | 37 |
Allowance for credit losses, Ending balance | 27,329 | 29,166 | 9,059
Non-accrual with No Allowance | 4,915 |  |
Non-accrual with Allowance | 3,417 |  |
Reserve | 1,424 |  |
Commercial real estate ("CRE") | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 4,849 |  |
Allowance for credit losses, Ending balance |  | 4,849 |
Commercial real estate ("CRE") | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 13,908 |  |
Allowance for credit losses, Ending balance |  | 13,908 |
Commercial and Industrial ("C&I") Loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 35,331 | 12,737 | 12,870
Day 1 acquired PCD loans |  | 23,374 |
Provision (credit) for credit losses | 11,786 | 6,016 | 9,928
Charge-offs | (11,401) | (4,984) | (10,095)
Recoveries | 4,137 | 123 | 34
Allowance for credit losses, Ending balance | 39,853 | 35,331 | 12,737
Non-accrual with No Allowance | 503 |  |
Non-accrual with Allowance | 21,443 |  |
Reserve | 20,685 |  |
Commercial and Industrial ("C&I") Loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | (1,935) |  |
Allowance for credit losses, Ending balance |  | (1,935) |
Commercial and Industrial ("C&I") Loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 10,802 |  |
Allowance for credit losses, Ending balance |  | 10,802 |
Other Loans |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | 751 | 12 | 16
Day 1 acquired PCD loans |  | 157 |
Provision (credit) for credit losses | (430) | 1,364 | 3
Charge-offs | (53) | (777) | (7)
Recoveries | 5 | 3 |
Allowance for credit losses, Ending balance | 273 | 751 | $ 12
Non-accrual with Allowance | 99 |  |
Reserve | 99 |  |
Other Loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | (8) |  |
Allowance for credit losses, Ending balance |  | (8) |
Other Loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |
Allowance for loan losses [Roll Forward] |  |  |
Allowance for credit losses, Beginning balance | $ 4 |  |
Allowance for credit losses, Ending balance |  | $ 4 |

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