CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities:
Net income	$ 32,519	$ 29,224	$ 17,777
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	796	1,119	1,219
Amortization of right-of-use assets	1,320	1,292	1,227
Provision for (reversal of) loan losses	1,152	(292)	5,068
Origination of loans held for sale	(31,255)		(96,064)
Proceeds from sales of loans held for sale	32,156		80,858
Purchase of held for sale loans		(1,500)	(1,232)
Repayments on loans held for sale		2,673	19,415
Net accretion of discount on purchased loans and deferred loan origination costs	7,009	6,519	4,587
Provision for (reversal of) uncollectible borrower advances	(175)	(80)	871
Gain on disposition of loans	(3,699)	(6,776)	(6,911)
Real estate acquired through foreclosure in excess of recorded investment	(3,408)	(1,117)	(665)
Amortization of debt issuance discount and costs	28,294	20,224	16,156
Loss on disposal of property and equipment	3	18	42
Change in valuation of real estate owned	364	1,759	1,734
Change in valuation of fair value loans	(8,265)	(29)	(442)
Change in valuation of held for sale loans		(17)	(328)
Change in valuation of mortgage servicing rights	(2,086)
Gain on sale of real estate owned	(2,939)	(409)	(644)
Stock-based compensation	3,343	2,159	965
Deferred tax expense (benefit)	11,571	(9,950)	1,667
Change in operating assets and liabilities:
Accrued interest and other receivables	(7,421)	(3,287)	(5,603)
Other assets	(8,043)	(360)	4,137
Accounts payable and accrued expenses	(2,562)	16,452	11,058
Net cash provided by operating activities	48,674	57,622	54,892
Cash flows from investing activities:
Purchase of loans held for investment	(18,231)	(20,586)	(3,571)
Origination of loans held for investment	(1,739,572)	(1,344,027)	(343,607)
Proceeds from sales of loans originally classified as held for investment	292,472	135,787	99,601
Payoffs of loans held for investment and loans at fair value	541,676	568,837	341,971
Proceeds from sale of real estate owned	22,497	9,637	7,469
Purchase of real estate owned	(2,250)
Capitalized real estate owned improvements		(194)	(846)
Change in advances	(5,414)	(5,429)	(8,709)
Change in impounds and deposits	910	9,202	(3,843)
Purchase of property and equipment	(326)	(135)	(726)
Proceeds from sale of investments		1,180
Acquisition of Century, net of cash acquired		(10,755)
Net cash (used in) provided by investing activities	(908,238)	(656,483)	87,739
Cash flows from financing activities:
Warehouse repurchase facilities advances	1,687,005	1,215,971	420,196
Warehouse repurchase facilities repayments	(1,658,065)	(989,374)	(766,679)
Proceeds from secured financing	215,000	175,000
Repayment of secured financing	(170,844)	(82,156)	(75,000)
Proceeds of securitizations, net	1,369,985	977,678	536,687
Repayment of securitizations	(543,620)	(643,500)	(398,324)
Debt issuance costs	(25,594)	(27,024)	(8,869)
Purchase of treasury stock	(458)
Net proceeds from issuance of preferred stock			41,044
Proceeds from issuance of warrants			2,158
Issuance of common stock	607	137	100,800
Deferred stock issuance costs		(560)
IPO deal costs			(1,903)
Net cash provided by (used in) financing activities	874,016	626,172	(149,890)
Net increase (decrease) in cash, cash equivalents, and restricted cash	14,452	27,311	(7,259)
Cash, cash equivalents, and restricted cash at beginning of year	47,604	20,293	27,552
Cash, cash equivalents, and restricted cash at end of year	62,056	47,604	20,293
Supplemental cash flow information:
Cash paid during the year for interest	118,711	85,019	85,407
Cash paid during the year for income taxes	23,039	9,645	965
Noncash transactions from investing and financing activities:
Transfer of loans held for investment to loans held for sale	279,233	205,671	110,678
Transfer of loans held for investment to real estate owned	10,031	11,466	9,747
Capitalized interest on loans held for investment	1,399	2,046	7,814
Transfer of loans held for sale to held for investment	77,190	11,137	213,609
Deferred IPO costs charged against additional paid-in capital			$ (4,000)
Discount (premium) on issuance of securitizations	$ 23,398	2,051
Preferred stock conversion to common stock		90,000
Business combination:
Investment securities		1,181
Fair value of tangible asset acquired		688
Mortgage servicing rights		7,152
Other receivables		154
Goodwill		6,775
Liabilities assumed		$ 1,814