FAIR VALUE - Summary of assets measured at fair value on recurring basis (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	$ 56,211,000	$ 36,666,000
Mortgage loans held for sale	30,620,000	161,843,000
Transfer from level 3, assets, amount	0
Fair value, assets, level 1 to level 2 transfers, amount	0
Transfer to level 3, assets, amount	0
U.S. Government Agency
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	3,522,000
U.S. Treasury debt
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	247,000	254,000
Corporate bonds
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	8,325,000	6,044,000
Government CMO and MBS - commercial
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	878,000
Other
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	649,000
Recurring
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	56,211,000	36,666,000
Equity securities	709,000	730,000
Guarantee asset	237,000	232,000
Mortgage loans held for sale	30,620,000	161,843,000
Recurring | U.S. Government Agency
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	3,522,000
Recurring | U.S. Treasury debt
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	247,000	254,000
Recurring | Corporate bonds
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	8,325,000	6,044,000
Recurring | Government CMO and MBS - commercial
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	878,000
Recurring | Corporate collateralized mortgage obligations and mortgage-backed securities
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	1,497,000	4,087,000
Recurring | Other
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	649,000
Recurring | IRLC,net
Summary of assets measured on a recurring and nonrecurring basis
Derivative asset, Fair value	1,473,000	9,841,000
Recurring | Forward Commitment
Summary of assets measured on a recurring and nonrecurring basis
Derivative asset, Fair value	(74,000)	(2,623,000)
Recurring | GNMA
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	26,650,000	24,604,000
Recurring | FNMA
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	14,443,000	1,677,000
Level 1 | Recurring
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	247,000	254,000
Equity securities	709,000	730,000
Level 1 | Recurring | U.S. Treasury debt
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	247,000	254,000
Level 2 | Recurring
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	53,851,000	36,412,000
Mortgage loans held for sale	30,620,000	161,843,000
Level 2 | Recurring | U.S. Government Agency
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	3,522,000
Level 2 | Recurring | Corporate bonds
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	6,212,000	6,044,000
Level 2 | Recurring | Government CMO and MBS - commercial
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	878,000
Level 2 | Recurring | Corporate collateralized mortgage obligations and mortgage-backed securities
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	1,497,000	4,087,000
Level 2 | Recurring | Other
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	649,000
Level 2 | Recurring | Forward Commitment
Summary of assets measured on a recurring and nonrecurring basis
Derivative asset, Fair value	(65,000)	(2,534,000)
Level 2 | Recurring | GNMA
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	26,650,000	24,604,000
Level 2 | Recurring | FNMA
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	14,443,000	1,677,000
Level 3 | Recurring
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	2,113,000
Guarantee asset	237,000	232,000
Level 3 | Recurring | Corporate bonds
Summary of assets measured on a recurring and nonrecurring basis
Available-for-sale securities, at fair value	2,113,000
Level 3 | Recurring | IRLC,net
Summary of assets measured on a recurring and nonrecurring basis
Derivative asset, Fair value	1,473,000	9,841,000
Level 3 | Recurring | Forward Commitment
Summary of assets measured on a recurring and nonrecurring basis
Derivative asset, Fair value	$ (9,000)	$ (89,000)