CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Cash flows from operating activities:
Net income	$ 14,002	$ 12,849
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	401	603
Amortization of right-of-use assets	664	565
Provision for (reversal of) loan losses	1,009	(895)
Provision for repurchase of loans	235
Purchase of held for sale loans		(755)
Repayments on loans held for sale		11
Net accretion of discount on purchased loans and deferred loan origination costs	3,981	3,092
(Reversal of) provision for uncollectible borrower advances	(14)	47
Gain on disposition of loans	(4,809)	(4,598)
Real estate acquired through foreclosure in excess of recorded investment	(1,508)	(632)
Amortization of debt issuance discount and costs	16,956	10,156
Loss on disposal of property and equipment	14	18
Change in valuation of real estate owned	(93)	1,235
Change in valuation of fair value loans	(16)	(18)
Change in valuation of mortgage servicing rights	(1,286)
Change in valuation of held for sale loans		(2)
Gain on sale of real estate owned	(1,620)	(162)
Stock-based compensation	1,479	1,030
Deferred tax expense (benefit)	1,408	(6,542)
(Increase) decrease in operating assets and liabilities:
Accrued interest and other receivables	(1,680)	(476)
Other assets	(4,882)	(1,081)
Accounts payable and accrued expenses	(11,141)	6,451
Net cash provided by operating activities	13,100	20,896
Cash flows from investing activities:
Purchase of loans held for investment	(5,021)	(3,490)
Origination of loans held for investment	(1,033,277)	(496,497)
Proceeds from sales of loans originally classified as held for investment	224,060	82,856
Payoffs of loans held for investment and loans at fair value	302,098	274,042
Proceeds from sale of real estate owned	9,294	4,076
Purchase of real estate owned	(2,250)
Capitalized real estate owned improvements		(29)
Change in advances	1,338	(667)
Change in impounds and deposits	(3,904)	167
Purchase of property and equipment	(217)	(102)
Net cash used in investing activities	(507,879)	(139,644)
Cash flows from financing activities:
Warehouse repurchase facilities advances	951,071	414,030
Warehouse repurchase facilities repayments	(1,043,666)	(337,332)
Proceeds from secured financing	215,000	175,000
Repayment of secured financing	(170,844)	(79,969)
Proceeds of securitizations, net	879,136	251,274
Repayment of securitizations	(308,298)	(273,810)
Purchase of treasury stock	(458)
Debt issuance costs	(19,299)	(15,076)
Net cash provided by financing activities	502,642	134,117
Net increase in cash, cash equivalents, and restricted cash	7,863	15,369
Cash, cash equivalents, and restricted cash at beginning of period	47,604	20,293
Cash, cash equivalents, and restricted cash at end of period	55,467	35,662
Supplemental cash flow information:
Cash paid during the period for interest	49,779	42,898
Cash paid during the period for income taxes	21,579	4,682
Noncash transactions from investing and financing activities:
Transfer of loans held for investment to held for sale	206,319	80,498
Transfer of loans held for investment to real estate owned	5,485	8,767
Transfer of accrued interest to loans held for investment	816	618
Discount on issuance of securitizations	17,136	27
Transfer of loans held for sale to held for investment	$ 73,598	$ 4,615