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Debt (Details - Debt outstanding) - USD ($) $ in Thousands | 9 Months Ended | 12 Months Ended
--- | --- | ---
Sep. 30, 2025 | Dec. 31, 2024
Line of Credit Facility [Line Items] |  |
Warehouse lines of credit | $ 340,645 | $ 410,898
Residual interest financing | 149,501 | 99,176
Subordinated renewable notes | 28,589 | 26,489
Total debt outstanding | $ 522,601 | $ 541,688
Warehouse Lines Of Credit 1 [Member] |  |
Line of Credit Facility [Line Items] |  |
Interest rate | 2.85% over CP yield rate (Minimum 3.75%) 7.18% and 7.52% | 2.85% over CP yield rate (Minimum 3.75%) 7.18% and 7.52%
Interest rate date description | 6.40% over SOFR yield rate (Minimum 7.15%) 10.78% and 11.09% | 6.40% over SOFR yield rate (Minimum 7.15%) 10.78% and 11.09%
Maturity date description | July 2026 |
Warehouse lines of credit | $ 291,217 | $ 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%) 8.65% and 8.90% | 4.50% over a commercial paper rate (Minimum 7.50%) 8.65% and 8.90%
Maturity date description | March 2026 |
Warehouse lines of credit | $ 51,685 | $ 145,597
Residual Interest Financing [Member] |  |
Line of Credit Facility [Line Items] |  |
Maturity date description | June 2026 |
Interest rate | 7.86% |
Residual interest financing | $ 36,490 | 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 | $ 49,988 | 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 | $ 64,632 |
Subordinated Renewable Notes [Member] |  |
Line of Credit Facility [Line Items] |  |
Maturity date description | October 2027 | December 2026
Debt Instrument, Interest Rate Terms | 8.99% | 9.24%
Subordinated renewable notes | $ 28,589 | $ 26,489

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