Fair Value Measurements (Details - Fair values) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]
Cash and cash equivalents	$ 6,944	$ 6,322
Restricted cash and equivalents	178,469	165,885
Warehouse lines of credit	467,138	324,871
Accrued interest payable	11,842	11,994
Residual interest financing	181,383	142,982
Securitization trust debt	2,992,157	2,986,574
Subordinated renewable notes	27,508	28,986
Carrying Value [Member]
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]
Cash and cash equivalents	6,944	6,322
Restricted cash and equivalents	178,469	165,885
Warehouse lines of credit	467,138	324,871
Accrued interest payable	11,842	11,994
Residual interest financing	192,294	152,607
Securitization trust debt	3,013,756	2,985,961
Subordinated renewable notes	27,508	28,986
Fair Value, Inputs, Level 1 [Member]
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]
Cash and cash equivalents	6,944	6,322
Restricted cash and equivalents	178,469	165,885
Warehouse lines of credit	0	0
Accrued interest payable	0	0
Residual interest financing	0	0
Securitization trust debt	0	0
Subordinated renewable notes	0	0
Fair Value, Inputs, Level 2 [Member]
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]
Cash and cash equivalents	0	0
Restricted cash and equivalents	0	0
Warehouse lines of credit	0	0
Accrued interest payable	0	0
Residual interest financing	0	0
Securitization trust debt	0	0
Subordinated renewable notes	0	0
Fair Value, Inputs, Level 3 [Member]
Fair Value, off-Balance-Sheet Risks, Disclosure Information [Line Items]
Cash and cash equivalents	0	0
Restricted cash and equivalents	0	0
Warehouse lines of credit	467,138	324,871
Accrued interest payable	11,842	11,994
Residual interest financing	192,294	152,607
Securitization trust debt	3,013,756	2,985,961
Subordinated renewable notes	$ 27,508	$ 28,986