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LOANS HELD FOR INVESTMENT, NET - Allowance for Credit Losses Activity (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | $ 71,743 |  |
Provision (recovery) for credit losses | 36,113 | $ 2,770 | $ 5,374
Allowance for credit losses, Ending balance | 88,751 | 71,743 |
Non-accrual with No Allowance | 21,652 | 3,780 |
Non-accrual with Allowance | 27,827 | 25,319 |
Reserve | 16,585 | 14,202 |
Business Loans |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 35,962 | 47,029 | 62,366
Provision (recovery) for credit losses | 14,435 | 3,273 | (8,073)
Charge-offs | (8,051) | (15,364) | (11,401)
Recoveries | 552 | 1,024 | 4,137
Allowance for credit losses, Ending balance | 42,898 | 35,962 | 47,029
Non-accrual with No Allowance | 5,196 | 3,780 |
Non-accrual with Allowance | 17,428 | 14,794 |
Reserve | 15,810 | 13,228 |
One-to-Four Family Residential and Cooperative/Condominium Apartment |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 6,813 | 5,969 | 5,932
Provision (recovery) for credit losses | 2,688 | 858 | 37
Charge-offs |  | (14) |
Allowance for credit losses, Ending balance | 9,501 | 6,813 | 5,969
Non-accrual with Allowance | 3,213 | 3,248 |
Reserve | 31 | 133 |
Multifamily Residential and Residential Mixed-Use |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 7,237 | 8,360 | 7,816
Provision (recovery) for credit losses | 9,385 | (1,121) | 542
Charge-offs | (4,677) | (2) |
Recoveries | 1 |  | 2
Allowance for credit losses, Ending balance | 11,946 | 7,237 | 8,360
Non-Owner-Occupied Commercial Real Estate |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 19,623 | 20,153 | 2,131
Provision (recovery) for credit losses | 9,176 | (530) | 17,968
Charge-offs | (6,926) |  |
Recoveries | 3 |  | 54
Allowance for credit losses, Ending balance | 21,876 | 19,623 | 20,153
Non-accrual with No Allowance | 16,456 |  |
Non-accrual with Allowance | 6,504 | 6,620 |
Reserve | 432 | 636 |
Acquisition, development, and construction ("ADC") |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 1,989 | 1,723 | 4,857
Provision (recovery) for credit losses | 334 | 266 | (3,134)
Allowance for credit losses, Ending balance | 2,323 | 1,989 | 1,723
Non-accrual with Allowance | 657 | 657 |
Reserve | 287 | 205 |
Other Loans |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 119 | 273 | 751
Provision (recovery) for credit losses | 179 | 129 | (430)
Charge-offs | (110) | (300) | (53)
Recoveries | 19 | 17 | 5
Allowance for credit losses, Ending balance | 207 | 119 | 273
Non-accrual with Allowance | 25 |  |
Reserve | 25 |  |
Total (includes other loans) |  |  |
Allowance for credit losses: |  |  |
Allowance for credit losses, Beginning balance | 71,743 | 83,507 | 83,853
Provision (recovery) for credit losses | 36,197 | 2,875 | 6,910
Charge-offs | (19,764) | (15,680) | (11,454)
Recoveries | 575 | 1,041 | 4,198
Allowance for credit losses, Ending balance | $ 88,751 | $ 71,743 | $ 83,507

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