CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 9,688	$ 15,398
Restricted cash	27,929	30,919
Interest bearing deposits in banks	152,805	137,689
Total cash and cash equivalents	190,422	184,006
Debt securities available-for-sale, at fair value	23,790	32,171
Loans held for sale, at fair value	242,225	118,867
Loans held for sale, at LCM	60,203	56,607
Loans held for investment, at fair value	394,471	469,801
Loans held for investment, at amortized cost, net of deferred fees and costs	518,489	336,305
Allowance for credit losses	(26,045)	(12,574)
Loans held for investment, at amortized cost, net	492,444	323,731
Federal Home Loan Bank and Federal Reserve Bank stock	3,608	3,635
Settlement receivable	62,117	62,230
Goodwill and intangibles	14,794	30,120
Right of use assets	3,992	5,701
Deferred tax asset, net	0	5,230
Servicing assets	46,111	39,725
Other assets	62,984	56,102
Assets held for sale	20,519	0
Total assets	1,674,170	1,429,513
Deposits:
Noninterest-bearing	11,040	10,053
Interest-bearing	638,418	453,452
Total deposits	649,458	463,505
Borrowings	655,834	644,122
Dividends payable	5,237	4,792
Lease liabilities	4,883	6,952
Deferred tax liabilities, net	4,700	0
Due to participants	22,217	23,796
Accounts payable, accrued expenses and other liabilities	45,092	37,300
Liabilities directly associated with assets held for sale	4,964	0
Total liabilities	1,392,385	1,180,467
Shareholders' Equity:
Preferred stock (par value $0.02 per share; authorized 20 shares, 20 shares issued and outstanding)	19,738	19,738
Common stock (par value $0.02 per share; authorized 199,980 shares, 26,018 and 24,680 shares issued and outstanding, respectively)	520	492
Additional paid-in capital	216,662	200,913
Retained earnings	44,834	28,051
Accumulated other comprehensive income (loss), net of income taxes	31	(148)
Total shareholders' equity	281,785	249,046
Total liabilities and shareholders' equity	1,674,170	1,429,513
Joint Ventures
ASSETS
Investments	55,750	40,859
Non-Control Investments
ASSETS
Investments	$ 740	$ 728