CONTINGENT LIABILITIES AND COMMITMENTS (Detail) - USD ($) $ in Thousands	12 Months Ended
	Jul. 31, 2021	Jul. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Standby repurchase obligations amount	$ 1,821,012	$ 1,876,922
Terms of commitments	18 months
Repurchase and guarantee reserve balances	$ 6,023	$ 7,747