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FAIR VALUE - Financial Statement Items on Recurring Basis by Fair Value Hierarchy (Details) - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Mar. 31, 2024
Dec. 31, 2023
Assets:        
Loans held for sale, at fair value $ 2,765,417 $ 2,603,735    
Loans held for investment, at fair value 114,447 116,627 $ 0 $ 0
Trading securities 87,355 87,466    
Derivative assets: 49,762 44,389    
Servicing rights 1,621,494 1,633,661    
Liabilities:        
Derivative liabilities: 13,453 25,060    
Interest rate lock commitments        
Assets:        
Derivative assets: 47,268 27,739    
Liabilities:        
Derivative liabilities: 1,297 2,187    
Forward sale contracts        
Assets:        
Derivative assets: 908 16,650    
Liabilities:        
Derivative liabilities: 10,313 896    
Interest rate swap futures        
Assets:        
Derivative assets: 1,586 0    
Liabilities:        
Derivative liabilities: 0 16,148    
Put options on treasuries        
Assets:        
Derivative assets: 0 0    
Liabilities:        
Derivative liabilities: 1,843 5,829    
Fair Value, Recurring        
Assets:        
Loans held for sale, at fair value 2,765,417 2,603,735    
Loans held for investment, at fair value 114,447 116,627    
Trading securities 87,355 87,466    
Servicing rights 1,621,494 1,633,661    
Total assets at fair value 4,638,475 4,485,878    
Liabilities:        
Servicing rights 18,463 18,151    
Total liabilities at fair value 31,916 43,211    
Fair Value, Recurring | Interest rate lock commitments        
Assets:        
Derivative assets: 47,268 27,739    
Liabilities:        
Derivative liabilities: 1,297 2,187    
Fair Value, Recurring | Forward sale contracts        
Assets:        
Derivative assets: 908 16,650    
Liabilities:        
Derivative liabilities: 10,313 896    
Fair Value, Recurring | Interest rate swap futures        
Assets:        
Derivative assets: 1,586      
Liabilities:        
Derivative liabilities:   16,148    
Fair Value, Recurring | Put options on treasuries        
Liabilities:        
Derivative liabilities: 1,843 5,829    
Fair Value, Recurring | Level 1        
Assets:        
Loans held for sale, at fair value 0 0    
Loans held for investment, at fair value 0 0    
Trading securities 0 0    
Servicing rights 0 0    
Total assets at fair value 1,586 0    
Liabilities:        
Servicing rights 0 0    
Total liabilities at fair value 1,843 21,977    
Fair Value, Recurring | Level 1 | Interest rate lock commitments        
Assets:        
Derivative assets: 0 0    
Liabilities:        
Derivative liabilities: 0 0    
Fair Value, Recurring | Level 1 | Forward sale contracts        
Assets:        
Derivative assets: 0 0    
Liabilities:        
Derivative liabilities: 0 0    
Fair Value, Recurring | Level 1 | Interest rate swap futures        
Assets:        
Derivative assets: 1,586      
Liabilities:        
Derivative liabilities:   16,148    
Fair Value, Recurring | Level 1 | Put options on treasuries        
Liabilities:        
Derivative liabilities: 1,843 5,829    
Fair Value, Recurring | Level 2        
Assets:        
Loans held for sale, at fair value 2,765,417 2,603,735    
Loans held for investment, at fair value 114,447 116,627    
Trading securities 87,355 87,466    
Servicing rights 0 0    
Total assets at fair value 2,968,127 2,824,478    
Liabilities:        
Servicing rights 0 0    
Total liabilities at fair value 10,313 896    
Fair Value, Recurring | Level 2 | Interest rate lock commitments        
Assets:        
Derivative assets: 0 0    
Liabilities:        
Derivative liabilities: 0 0    
Fair Value, Recurring | Level 2 | Forward sale contracts        
Assets:        
Derivative assets: 908 16,650    
Liabilities:        
Derivative liabilities: 10,313 896    
Fair Value, Recurring | Level 2 | Interest rate swap futures        
Assets:        
Derivative assets: 0      
Liabilities:        
Derivative liabilities:   0    
Fair Value, Recurring | Level 2 | Put options on treasuries        
Liabilities:        
Derivative liabilities: 0 0    
Fair Value, Recurring | Level 3        
Assets:        
Loans held for sale, at fair value 0 0    
Loans held for investment, at fair value 0 0    
Trading securities 0 0    
Servicing rights 1,621,494 1,633,661    
Total assets at fair value 1,668,762 1,661,400    
Liabilities:        
Servicing rights 18,463 18,151    
Total liabilities at fair value 19,760 20,338    
Fair Value, Recurring | Level 3 | Interest rate lock commitments        
Assets:        
Derivative assets: 47,268 27,739    
Liabilities:        
Derivative liabilities: 1,297 2,187    
Fair Value, Recurring | Level 3 | Forward sale contracts        
Assets:        
Derivative assets: 0 0    
Liabilities:        
Derivative liabilities: 0 0    
Fair Value, Recurring | Level 3 | Interest rate swap futures        
Assets:        
Derivative assets: 0      
Liabilities:        
Derivative liabilities:   0    
Fair Value, Recurring | Level 3 | Put options on treasuries        
Liabilities:        
Derivative liabilities: $ 0 $ 0