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v3.25.1

Debt (Details - Debt outstanding) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2025 | Dec. 31, 2024
Line of Credit Facility [Line Items] |  |
Warehouse lines of credit | $ 365,683 | $ 410,898
Residual interest financing | 163,391 | 99,176
Subordinated renewable notes | 27,547 | 26,489
Total debt outstanding | $ 561,935 | $ 541,688
Warehouse Lines Of Credit 1 [Member] |  |
Line of Credit Facility [Line Items] |  |
Interest rate | 3.00% over CP yield rate (Minimum 3.75%) 7.38% and 7.52% | 3.00% over CP yield rate (Minimum 3.75%) 7.38% and 7.52%
Interest rate date description | 6.40% over SOFR yield rate (Minimum 7.15%) 10.95% and 11.09% | 6.40% over SOFR yield rate (Minimum 7.15%) 10.95% and 11.09%
Maturity date description | July 2026 |
Warehouse lines of credit | $ 280,400 | $ 269,602
Warehouse Lines Of Credit 2 [Member] |  |
Line of Credit Facility [Line Items] |  |
Interest rate | 4.50% over a commercial paper rate (Minimum 7.50%) 8.82% and 8.90% | 4.50% over a commercial paper rate (Minimum 7.50%) 8.82% and 8.90%
Maturity date description | March 2026 |
Warehouse lines of credit | $ 88,988 | $ 145,597
Residual Interest Financing [Member] |  |
Line of Credit Facility [Line Items] |  |
Maturity date description | June 2026 |
Interest rate | 7.86% |
Residual interest financing | $ 50,000 | 50,000
Residual Interest Financing 1 [Member] |  |
Line of Credit Facility [Line Items] |  |
Maturity date description | March 2029 |
Interest rate | 11.50% |
Residual interest financing | $ 50,000 | 50,000
Residual Interest Financing 2 [Member] |  |
Line of Credit Facility [Line Items] |  |
Maturity date description | June 2032 |
Interest rate | 11.00% |
Residual interest financing | $ 65,000 | $ 0
Subordinated Renewable Notes [Member] |  |
Line of Credit Facility [Line Items] |  |
Maturity date description | April 2027 | December 2026
Debt Instrument, Interest Rate Terms | 9.18% | 9.24%
Subordinated renewable notes | $ 27,547 | $ 26,489

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