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LOANS HELD FOR INVESTMENT, NET - Loan Categories (Details) - USD ($) $ in Thousands | Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
--- | --- | --- | --- | ---
Loans held for investment, net: |  |  |  |
Total | $ 10,869,328 | $ 10,766,837 |  |
Fair value hedge basis point adjustments | 2,615 | 6,591 |  |
Total loans, net of fair value hedge basis point adjustments | 10,871,943 | 10,773,428 |  |
Allowance for credit losses | (88,751) | (71,743) |  |
Total loans held for investment, net | 10,783,192 | 10,701,685 |  |
Business Loans |  |  |  |
Loans held for investment, net: |  |  |  |
Total | 2,725,726 | 2,308,171 |  |
Allowance for credit losses | (42,898) | (35,962) | $ (47,029) | $ (62,366)
One-to-Four Family Residential and Cooperative/Condominium Apartment |  |  |  |
Loans held for investment, net: |  |  |  |
Total | 951,528 | 887,555 |  |
Allowance for credit losses | (9,501) | (6,813) | (5,969) | (5,932)
Multifamily Residential and Residential Mixed-Use |  |  |  |
Loans held for investment, net: |  |  |  |
Total | 3,820,283 | 4,017,176 |  |
Allowance for credit losses | (11,946) | (7,237) | (8,360) | (7,816)
Non-Owner-Occupied Commercial Real Estate |  |  |  |
Loans held for investment, net: |  |  |  |
Total | 3,230,535 | 3,379,667 |  |
Allowance for credit losses | (21,876) | (19,623) | (20,153) | (2,131)
Acquisition, development, and construction ("ADC") |  |  |  |
Loans held for investment, net: |  |  |  |
Total | 136,172 | 168,513 |  |
Allowance for credit losses | (2,323) | (1,989) | (1,723) | (4,857)
Other Loans |  |  |  |
Loans held for investment, net: |  |  |  |
Total | 5,084 | 5,755 |  |
Allowance for credit losses | $ (207) | $ (119) | $ (273) | $ (751)

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