Debt (Details - Debt outstanding) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Line of Credit Facility [Line Items]
Warehouse lines of credit	$ 467,138	$ 324,871
Residual interest financing	181,383	142,982
Subordinated renewable notes	27,508	28,986
Total debt outstanding	$ 679,707	$ 500,701
Warehouse Lines Of Credit 1 [Member]
Line of Credit Facility [Line Items]
Interest rate	2.85% over CP yield rate (Minimum 3.60%) 6.68% and 6.80%	2.85% over CP yield rate (Minimum 3.60%) 6.68% and 6.80%
Interest rate date description	6.40% over SOFR yield rate (Minimum 7.15%) 10.33% and 10.40%	6.40% over SOFR yield rate (Minimum 7.15%) 10.33% and 10.40%
Maturity date description	July 2026
Warehouse lines of credit	$ 301,207	$ 197,107
Warehouse Lines Of Credit 2 [Member]
Line of Credit Facility [Line Items]
Interest rate	4.50% over a commercial paper rate (Minimum 7.50%) 8.18% and 8.25%	4.50% over a commercial paper rate (Minimum 7.50%) 8.18% and 8.25%
Maturity date description	April 2026
Warehouse lines of credit	$ 0	$ 11,778
Warehouse Lines Of Credit 3 [Member]
Line of Credit Facility [Line Items]
Interest rate	2.75% over SOFR yield rate (Minimum 3.00%) 6.42% and 6.50%	2.75% over SOFR yield rate (Minimum 3.00%) 6.42% and 6.50%
Interest rate date description	6.40% over SOFR yield rate (Minimum 6.65%) 10.07% and 10.27%	6.40% over SOFR yield rate (Minimum 6.65%) 10.07% and 10.27%
Maturity date description	October 2027
Warehouse lines of credit	$ 167,500	$ 118,323
Residual Interest Financing [Member]
Line of Credit Facility [Line Items]
Maturity date description	December 2028
Interest rate	7.86%
Residual interest financing	$ 21,030	31,163
Residual Interest Financing 1 [Member]
Line of Credit Facility [Line Items]
Maturity date description	March 2029
Interest rate	11.50%
Residual interest financing	$ 49,652	49,820
Residual Interest Financing 2 [Member]
Line of Credit Facility [Line Items]
Maturity date description	June 2032
Interest rate	11.00%
Residual interest financing	$ 62,810	63,524
Residual Interest Financing 3 [Member]
Line of Credit Facility [Line Items]
Maturity date description	May 2033
Interest rate	8.75%
Residual interest financing	$ 50,000	$ 0
Subordinated Renewable Notes [Member]
Line of Credit Facility [Line Items]
Maturity date description	January 2028	November 2027
Debt instrument, interest rate	8.81%	8.98%
Subordinated renewable notes	$ 27,508	$ 28,986