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Fair Value Measurement (Tables) | 9 Months Ended
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Sep. 30, 2025
Fair Value Disclosures [Abstract] |
Schedule of company's assets at fair value | The following table presents assets and liabilities measured at fair value on a recurring basis:
|  | Fair Value Measurement
(in thousands) |  | September 30, 2025 |  | December 31, 2024
Level 1 |  |  |  |
Investment securities |  | $ | 1,429 |  |  | $ | 1,517 |
Level 3 |  |  |  |
Loans held for sale, net |  | 8,797 |  |  | 10,970 |
The following table illustrates assets and liabilities measured at fair value on a nonrecurring basis:
|  | Fair Value Measurement
(in thousands) |  | September 30, 2025 |  | December 31, 2024
Level 3 |  |  |  |
Individually evaluated loans, net of allowance for credit losses |  | $ | 77,619 |  |  | $ | 80,757 |
Real estate owned, net |  | 18,912 |  |  | 18,574 |
Schedule of company's assets illustrates financial instruments measured at fair value on a nonrecurring basis | The following table presents the carrying amounts and fair values of financial instruments at September 30, 2025 and December 31, 2024:
|  | Carrying Amount |  | Fair Value Measurement
(in thousands) |  | September 30, 2025 |  | December 31, 2024 |  | September 30, 2025 |  | December 31, 2024
Level 1 |  |  |  |  |  |  |  |
Cash and cash equivalents |  | $ | 11,172 |  |  | $ | 18,066 |  |  | $ | 11,172 |  |  | $ | 18,066 |
Notes payable (listed) – fixed rate debt |  | 173,254 |  |  | 230,239 |  |  | 162,449 |  |  | 194,810 |
Investment securities |  | 1,429 |  |  | 1,517 |  |  | 1,429 |  |  | 1,517 |
Level 2 |  |  |  |  |  |  |  |
Lines of credit and repurchase agreements – variable rate debt |  | 40,565 |  |  | 73,708 |  |  | 40,565 |  |  | 73,708 |
Level 3 |  |  |  |  |  |  |  |
Loans held for investment, net |  | 361,740 |  |  | 356,571 |  |  | 361,740 |  |  | 356,571 |
Loans held for sale, net |  | 8,797 |  |  | 10,970 |  |  | 8,797 |  |  | 10,970 |
Interest and fees receivable and due from borrowers |  | 9,859 |  |  | 8,918 |  |  | 9,859 |  |  | 8,918 |
Investments in limited liability companies |  | 41,167 |  |  | 53,942 |  |  | 41,167 |  |  | 53,942 |
Advances from borrowers |  | 5,811 |  |  | 4,047 |  |  | 5,811 |  |  | 4,047 |
Senior secured notes payable |  | 90,000 |  |  | — |  |  | 91,038 |  |  | — |
Mortgage payable |  | 939 |  |  | 1,002 |  |  | 939 |  |  | 1,002 |
Schedule of company's available-for-sale (AFS) securities and other comprehensive income (OCI) | The following table presents the impact of the Company’s AFS securities - debt securities on its Other Comprehensive Income (“OCI”) for the three and nine months ended September 30, 2025 and 2024:
| Three Months Ended |  | Nine Months Ended
| September 30, |  | September 30,
| 2025 |  | 2024 |  | 2025 |  | 2024
| (in thousands) |  | (in thousands)
OCI from AFS securities – debt securities: |  |  |  |  |  |  |
Unrealized gain on debt securities at beginning of period | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 316 |
Reversal of losses from unrealized to realized | — |  |  | — |  |  | — |  |  | (65) |
Unrealized holding losses on AFS securities | — |  |  | — |  |  | — |  |  | (251) |
Change in OCI from AFS debt securities | — |  |  | — |  |  | — |  |  | (316) |
Balance at end of period | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |

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- Definition Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3). + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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- Definition Tabular disclosure of assets, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, by class that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3). + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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