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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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The average effective interest rate during the reporting period.

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Description of the maturity date of the debt instrument including whether the debt matures serially and, if so, a brief description of the serial maturities.

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Represents the aggregate of total long-term debt, including current maturities and short-term debt.

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Weighted average interest rate of debt outstanding.

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Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.

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Carrying value as of the balance sheet date of the outstanding short-term borrowings under a revolving line of credit used by mortgage bankers to finance the origination or purchase of loans.

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