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Debt (Details - Debt outstanding) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2025
Dec. 31, 2024
Line of Credit Facility [Line Items]    
Warehouse lines of credit $ 365,683 $ 410,898
Residual interest financing 163,391 99,176
Subordinated renewable notes 27,547 26,489
Total debt outstanding $ 561,935 $ 541,688
Warehouse Lines Of Credit 1 [Member]    
Line of Credit Facility [Line Items]    
Interest rate 3.00% over CP yield rate (Minimum 3.75%) 7.38% and 7.52% 3.00% over CP yield rate (Minimum 3.75%) 7.38% and 7.52%
Interest rate date description 6.40% over SOFR yield rate (Minimum 7.15%) 10.95% and 11.09% 6.40% over SOFR yield rate (Minimum 7.15%) 10.95% and 11.09%
Maturity date description July 2026  
Warehouse lines of credit $ 280,400 $ 269,602
Warehouse Lines Of Credit 2 [Member]    
Line of Credit Facility [Line Items]    
Interest rate 4.50% over a commercial paper rate (Minimum 7.50%) 8.82% and 8.90% 4.50% over a commercial paper rate (Minimum 7.50%) 8.82% and 8.90%
Maturity date description March 2026  
Warehouse lines of credit $ 88,988 $ 145,597
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 50,000
Residual Interest Financing 2 [Member]    
Line of Credit Facility [Line Items]    
Maturity date description June 2032  
Interest rate 11.00%  
Residual interest financing $ 65,000 $ 0
Subordinated Renewable Notes [Member]    
Line of Credit Facility [Line Items]    
Maturity date description April 2027 December 2026
Debt Instrument, Interest Rate Terms 9.18% 9.24%
Subordinated renewable notes $ 27,547 $ 26,489