CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net income	$ 24,292	$ 20,871
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	605	883
Amortization of right-of-use assets	979	885
Provision for (reversal of) loan losses	1,589	(668)
Origination of loans held for sale	(16,119)
Purchase of held for sale loans		(755)
Repayments on loans held for sale		16
Net accretion of discount on purchased loans and deferred loan origination costs	5,694	4,696
(Reversal of) provision for uncollectible borrower advances	(232)	170
Gain on disposition of loans	(4,572)	(4,745)
Real estate acquired through foreclosure in excess of recorded investment	(2,144)	(791)
Amortization of debt issuance discount and costs	22,527	14,088
Loss on disposal of property and equipment	3	18
Change in valuation of real estate owned	276	1,619
Change in valuation of fair value loans	(469)	(18)
Change in valuation of mortgage servicing rights	(2,716)
Change in valuation of held for sale loans		(15)
Gain on sale of real estate owned	(2,799)	(240)
Stock-based compensation	2,410	1,595
Deferred tax expense (benefit)	12,266	(10,373)
Change in operating assets and liabilities:
Accrued interest and other receivables	(4,953)	(1,043)
Other assets	(12,595)	(512)
Accounts payable and accrued expenses	(15,386)	13,893
Net cash provided by operating activities	8,656	39,574
Cash flows from investing activities:
Purchase of loans held for investment	(16,997)	(9,412)
Origination of loans held for investment	(1,475,694)	(840,798)
Proceeds from sales of loans originally classified as held for investment	224,060	99,117
Payoffs of loans held for investment and loans at fair value	434,945	427,224
Proceeds from sale of real estate owned	18,568	7,459
Purchase of real estate owned	(2,250)
Capitalized real estate owned improvements		(78)
Change in advances	1,253	(1,597)
Change in impounds and deposits	(2,677)	1,894
Purchase of property and equipment	(273)	(104)
Net cash used in investing activities	(819,065)	(316,295)
Cash flows from financing activities:
Warehouse repurchase facilities advances	1,344,528	717,605
Warehouse repurchase facilities repayments	(1,305,914)	(534,062)
Proceeds from secured financing	215,000	175,000
Repayment of secured financing	(170,844)	(81,063)
Proceeds of securitizations, net	1,181,997	456,184
Repayment of securitizations	(437,499)	(412,916)
Debt issuance costs	(23,100)	(18,981)
Purchase of treasury stock	(458)
Proceeds from issuance of common stock, net		137
Deferred stock issuance costs		(393)
Net cash provided by financing activities	803,710	301,511
Net (decrease) increase in cash, cash equivalents, and restricted cash	(6,699)	24,790
Cash, cash equivalents, and restricted cash at beginning of period	47,604	20,293
Cash, cash equivalents, and restricted cash at end of period	40,905	45,083
Supplemental cash flow information:
Cash paid during the period for interest	84,938	63,706
Cash paid during the period for income taxes	22,961	7,224
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	7,283	10,107
Transfer of accrued interest to loans held for investment	933	1,776
Discount on issuance of securitizations	22,632	223
Transfer of loans held for sale to held for investment	$ 74,887	$ 10,178