CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Cash flows from operating activities:
Net income	$ 35,126	$ 24,292
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	567	605
Amortization of right-of-use assets	975	979
Provision for loan losses	1,088	1,589
Reversal of loan repurchase reserve	(58)
Origination of loans held for sale	(38,036)	(16,119)
Proceeds from sales of loans held for sale	19,816
Net accretion of discount on purchased loans and amortization of deferred loan origination costs	3,763	5,694
Provision for (reversal of) uncollectible borrower advances	443	(232)
Gain on disposition of loans	(747)	(4,572)
Real estate acquired through foreclosure in excess of recorded investment	(6,009)	(2,144)
Amortization of debt issuance discount and costs	15,184	22,527
Loss on disposal of property and equipment		3
Change in valuation of real estate owned	2,486	276
Change in valuation of fair value loans	(8,483)	(469)
Change in valuation of mortgage servicing rights	(548)	(2,716)
Change in valuation of fair value securitized debt	(15,083)
Gain on sale of real estate owned	(112)	(2,799)
Stock-based compensation	3,205	2,410
Deferred tax expense	4,328	12,266
Change in operating assets and liabilities:
Accrued interest and other receivables	(4,902)	(4,953)
Other assets	6,179	(12,595)
Accounts payable and accrued expenses	3,494	(15,386)
Net cash provided by operating activities	22,676	8,656
Cash flows from investing activities:
Purchase of loans held for investment	(10,963)	(16,997)
Origination of loans held for investment	(728,167)	(1,475,694)
Proceeds from sales of loans originally classified as held for investment	21,485	224,060
Payoffs of loans held for investment	334,246	434,945
Purchase of real estate owned		(2,250)
Proceeds from sale of real estate owned	18,978	18,568
Change in advances	2,308	1,253
Change in impounds and deposits	1,395	(2,677)
Purchase of property and equipment	(72)	(273)
Net cash used in investing activities	(360,790)	(819,065)
Cash flows from financing activities:
Warehouse repurchase facilities advances	753,270	1,344,528
Warehouse repurchase facilities repayments	(868,657)	(1,305,914)
Proceeds from secured financing		215,000
Repayment of secured financing		(170,844)
Proceeds of securitized debt, net	774,322	1,181,997
Repayment of securitized debt	(333,936)	(437,499)
Debt issuance costs	(2,126)	(23,100)
Proceeds from issuance of common stocks, net	1,398
Purchase of treasury stock	(837)	(458)
Distribution to non-controlling interest	(280)
Net cash provided by financing activities	323,154	803,710
Net decrease in cash, cash equivalents, and restricted cash	(14,960)	(6,699)
Cash, cash equivalents, and restricted cash at beginning of period	62,056	47,604
Cash, cash equivalents, and restricted cash at end of period	47,096	40,905
Supplemental cash flow information:
Cash paid during the period for interest	134,038	84,938
Cash paid during the period for income taxes, net	2,943	22,961
Noncash transactions from investing and financing activities:
Transfer of loans held for investment to held for sale	25,075	206,319
Transfer of loans held for investment to real estate owned	31,318	7,283
Transfer of accrued interest to loans held for investment	1,182	933
Discount on issuance of securitized debt		22,632
Transfer of loans held for sale to held for investment	4,218	$ 74,887
Recognition of new leases in exchange for lease obligations	$ 656