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Debt (Details - Debt outstanding) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Line of Credit Facility [Line Items]    
Warehouse lines of credit $ 234,025 $ 285,328
Residual interest financing 49,875 49,623
Subordinated renewable notes 17,188 25,263
Total debt outstanding $ 301,813 $ 363,141
Warehouse Lines Of Credit 1 [Member]    
Line of Credit Facility [Line Items]    
Interest rate 3.00% over CP yield rate (Minimum 3.75%) 8.58% and 7.48% 3.00% over CP yield rate (Minimum 3.75%) 8.58% and 7.48%
Maturity date description July 2024  
Warehouse lines of credit $ 165,628 $ 150,293
Warehouse Lines Of Credit 2 [Member]    
Line of Credit Facility [Line Items]    
Interest rate 4.15% over a commercial paper rate (Minimum 5.15%) 9.63% and 8.60% 4.15% over a commercial paper rate (Minimum 5.15%) 9.63% and 8.60%
Maturity date description January 2024  
Warehouse lines of credit $ 68,997 $ 137,585
Residual interest financing [Member]    
Line of Credit Facility [Line Items]    
Maturity date description June 2026  
Interest rate 7.86%  
Residual interest financing $ 50,000 $ 50,000
Subordinated renewable notes [Member]    
Line of Credit Facility [Line Items]    
Maturity date description February 2026 October 2024
Debt Instrument, Interest Rate Terms 8.45% 7.82%
Subordinated renewable notes $ 17,188 $ 25,263