CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities:
Net income	$ 52,293	$ 32,519	$ 29,224
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	752	796	1,119
Amortization of right-of-use assets	1,545	1,320	1,292
Provision for (reversal of) loan losses	1,915	1,152	(292)
Origination of loans held for sale	(38,036)	(31,255)
Proceeds from sales of loans held for sale	25,817	32,156
Purchase of held for sale loans			(1,500)
Repayments on loans held for sale			2,673
Net accretion of discount on purchased loans and deferred loan origination costs	4,813	7,009	6,519
Provision for (reversal of) uncollectible borrower advances	721	(175)	(80)
Gain on disposition of loans	(826)	(3,699)	(6,776)
Real estate acquired through foreclosure in excess of recorded investment	(7,412)	(3,408)	(1,117)
Amortization of debt issuance discount and costs	18,624	28,294	20,224
Loss on disposal of property and equipment		3	18
Change in valuation of real estate owned	3,903	364	1,759
Change in valuation of fair value loans	(47,850)	(8,265)	(29)
Change in valuation of held for sale loans			(17)
Change in valuation of mortgage servicing rights	660	(2,086)
Change in valuation of fair value securitized debt	9,002
Gain on sale of real estate owned	(568)	(2,939)	(409)
Stock-based compensation	4,128	3,343	2,159
Deferred tax expense (benefit)	2,694	11,571	(9,950)
Change in operating assets and liabilities:
Accrued interest and other receivables	(13,393)	(7,421)	(3,287)
Other assets	8,361	(8,043)	(360)
Accounts payable and accrued expenses	21,692	(2,562)	16,452
Net cash provided by operating activities	48,835	48,674	57,622
Cash flows from investing activities:
Purchase of loans held for investment	(13,823)	(18,231)	(20,586)
Origination of loans held for investment	(1,079,811)	(1,739,572)	(1,344,027)
Proceeds from sales of loans originally classified as held for investment	21,485	292,472	135,787
Payments of loans held for investment and loans at fair value	459,681	541,676	568,837
Proceeds from sale of real estate owned	21,747	22,497	9,637
Purchase of real estate owned		(2,250)
Capitalized real estate owned improvements			(194)
Change in advances	(3,039)	(5,414)	(5,429)
Change in impounds and deposits	9,208	910	9,202
Purchase of property and equipment	(180)	(326)	(135)
Proceeds from sale of investments			1,180
Acquisition of Century, net of cash acquired			(10,755)
Net cash used in investing activities	(584,732)	(908,238)	(656,483)
Cash flows from financing activities:
Warehouse repurchase facilities advances	1,192,999	1,687,005	1,215,971
Warehouse repurchase facilities repayments	(1,191,642)	(1,658,065)	(989,374)
Proceeds from secured financing		215,000	175,000
Repayment of secured financing		(170,844)	(82,156)
Proceeds of securitized debt, net	975,072	1,369,985	977,678
Repayment of securitized debt	(438,763)	(543,620)	(643,500)
Debt issuance costs	(3,062)	(25,594)	(27,024)
Issuance of common stock	2,305	607	137
Deferred stock issuance costs			(560)
Purchase of treasury stock	(861)	(458)
Distribution to non-controlling interest	(280)
Net cash provided by financing activities	535,768	874,016	626,172
Net (decrease) increase in cash, cash equivalents, and restricted cash	(129)	14,452	27,311
Cash, cash equivalents, and restricted cash at beginning of year	62,056	47,604	20,293
Cash, cash equivalents, and restricted cash at end of year	61,927	62,056	47,604
Supplemental cash flow information:
Cash paid during the year for interest	180,364	118,711	85,019
Cash paid during the year for income taxes	7,648	23,039	9,645
Noncash transactions from investing and financing activities:
Transfer of loans held for investment to loans held for sale	42,029	279,233	205,671
Transfer of loans held for investment to real estate owned	48,614	10,031	11,466
Capitalized interest on loans held for investment	2,395	1,399	2,046
Transfer of loans held for sale to held for investment	16,246	77,190	11,137
Discount on issuance of securitized debt	1,636	23,398	2,051
Recognition of new leases in exchange for lease obligations	$ 1,689	$ 26	256
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