Summary of Significant Accounting Policies (Tables)

9 Months Ended

Sep. 30, 2024

Accounting Policies [Abstract]

Schedule of other income

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2024		2023		2024		2023
	(In thousands)				(In thousands)
Origination and servicing fees from third party receivables	$	1,647	$	2,546	$	5,485	$	7,207
Sales tax refunds		254		256		803		780
Other		21		16		103		90
Other income for the period	$	1,922	$	2,818	$	6,391	$	8,077

Schedule of supplemental balance sheet information related to leases

	September 30,			December 31,
	2024			2023
	(In thousands)
Operating Leases
Operating lease right-of-use assets	$	51,093		$	29,575
Less: Accumulated amortization right-of-use assets		(30,419	)		(26,651	)
Operating lease right-of-use assets, net	$	20,674		$	2,924
Operating lease liabilities	$	(22,601	)	$	(3,220	)
Finance Leases
Property and equipment, at cost	$	3,794		$	3,474
Less: Accumulated depreciation		(3,460	)		(3,385	)
Property and equipment, net	$	334		$	89
Finance lease liabilities	$	(343	)	$	(93	)
Weighted Average Discount Rate
Operating lease		5.0%			5.0%
Finance lease		6.5%			6.5%

Schedule of maturities of lease liabilities

(In thousands)	Operating			Finance
Year Ending December 31,	Lease			Lease
2024 (excluding the nine months ended September 30, 2024)	$	1,216		$	33
2025		5,233			128
2026		5,084			118
2027		5,242			61
2028		5,408			30
Thereafter		4,747			10
Total undiscounted lease payments		26,930			380
Less amounts representing interest		(4,329	)		(37	)
Lease Liability	$	22,601		$	343

Schedule of lease cost

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2024		2023		2024		2023
	(In thousands)				(In thousands)
Operating lease cost	$	1,311	$	1,410	$	3,996	$	4,181
Finance lease cost		34		18		82		144
Total lease cost	$	1,345	$	1,428	$	4,078	$	4,325

Schedule of supplemental cash flow information related to leases

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2024		2023		2024		2023
Cash paid for amounts included in the measurement of lease liabilities:	(In thousands)				(In thousands)
Operating cash flows from operating leases	$	1,311	$	1,410	$	3,996	$	4,181
Operating cash flows from finance leases	$	29	$	17	$	70	$	139
Financing cash flows from finance leases	$	6	$	1	$	13	$	5

Schedule of stock option activity

						Weighted
	Number of			Weighted		Average
	Shares			Average		Remaining
	(in thousands)			Exercise Price		Contractual Term
Options outstanding at the beginning of period		8,125		$	5.11	N/A
Granted		–			–	N/A
Exercised		(1,700	)		4.01	N/A
Forfeited		(270	)		5.30	N/A
Options outstanding at the end of period		6,155		$	5.41	2.91 years
Options exercisable at the end of period		5,145		$	4.75	2.63 years

Schedule of price distribution of stock options outstanding and exercisable

	Number of shares as of				Number of shares as of
	September 30, 2024				December 31, 2023
	Outstanding		Exercisable		Outstanding		Exercisable
	(In thousands)				(In thousands)
Range of exercise prices:
$2.00 - $2.99		1,205		1,205		1,410		1,082
$3.00 - $3.99		2,046		2,046		2,473		2,473
$4.00 - $4.99		1,262		972		2,539		1,929
$10.00 - $10.99		1,642		922		1,703		578
Total shares		6,155		5,145		8,125		6,062

Schedule of purchase of our common stock

	Nine Months Ended
	September 30, 2024				September 30, 2023
	Shares		Avg. Price		Shares		Avg. Price
Open market purchases		473,202	$	8.67		625,887	$	11.20
Shares redeemed upon net exercise of stock options		876,456		8.66		1,224,673		13.56
Other		120,000		9.49		–		–
Total stock purchases		1,469,658	$	8.73		1,850,560	$	11.80