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Debt (Details - Debt outstanding) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2024
Dec. 31, 2023
Line of Credit Facility [Line Items]    
Warehouse lines of credit $ 82,175 $ 234,025
Residual interest financing 99,079 49,875
Subordinated renewable notes 22,356 17,188
Total debt outstanding $ 206,321 $ 301,813
Warehouse Lines of Credit 1 [Member]    
Line of Credit Facility [Line Items]    
Interest rate 3.00% over CP yield rate (Minimum 3.75%) 8.44% and 8.58% 3.00% over CP yield rate (Minimum 3.75%) 8.44% and 8.58%
Maturity date description July 2026  
Warehouse lines of credit $ 70,715 $ 165,628
Warehouse Lines of Credit 2 [Member]    
Line of Credit Facility [Line Items]    
Interest rate 4.50% over a commercial paper rate (Minimum 7.50%) 9.83% and 9.63% 4.50% over a commercial paper rate (Minimum 7.50%) 9.83% and 9.63%
Maturity date description March 2026  
Warehouse lines of credit $ 13,250 $ 68,997
Residual Interest Financing [Member]    
Line of Credit Facility [Line Items]    
Maturity date description June 2026  
Interest rate 7.86%  
Residual interest financing $ 50,000 50,000
Residual Interest Financing 1 [Member]    
Line of Credit Facility [Line Items]    
Maturity date description March 2029  
Interest rate 11.50%  
Residual interest financing $ 50,000 $ 0
Subordinated Renewable Notes [Member]    
Line of Credit Facility [Line Items]    
Maturity date description July 2026 February 2026
Debt Instrument, Interest Rate Terms 9.20% 8.45%
Subordinated renewable notes $ 22,356 $ 17,188