Loans and Allowance for Credit Losses | Note 2: Loans and Allowance for Credit Losses The Company acquires loans originated or purchased by the Bank. In order to maintain our status as a REIT, the composition of the loans is highly concentrated in real estate. Underlying loans are concentrated primarily in California , New York , Washington , Virginia , Texas , Maryland and Massachusetts . These markets include approximately 62% of our total loan balance at September 30, 2019 . The following table presents total loans outstanding by portfolio segment and class of financing receivable. Total reductions and additions for unamortized premiums, discounts and other adjustments were less than 1% of outstanding balances at September 30, 2019 and December 31, 2018 . (in thousands) Sep 30, Dec 31, Total commercial $ 2,585,200 3,055,423 Consumer: Real estate 1-4 family first mortgage 28,721,017 31,769,813 Real estate 1-4 family junior lien mortgage 552,832 669,832 Total consumer 29,273,849 32,439,645 Total loans $ 31,859,049 35,495,068 The following table summarizes the proceeds paid or received from the Bank for acquisitions and sales of loans, respectively. 2019 2018 (in thousands) Commercial Consumer Total Commercial Consumer Total Quarter ended September 30, Loan acquisitions $ — — — — — — Loan sales — (103,997 ) (103,997 ) (20,677 ) — (20,677 ) Nine months ended September 30, Loan acquisitions $ — — — — — — Loan sales — (204,858 ) (204,858 ) (20,677 ) (5,775 ) (26,452 ) Commitments to Lend The contract or notional amount of commercial loan commitments to extend credit was $497.4 million at September 30, 2019 and $462.2 million at December 31, 2018 . Pledged Loans See Note 5 (Transactions With Related Parties) for additional details on our agreement with the Bank to pledge loans. Allowance for Credit Losses The following table presents the allowance for credit losses, which consists of the allowance for loan losses and the allowance for unfunded credit commitments. Quarter ended September 30, Nine months ended September 30, (in thousands) 2019 2018 2019 2018 Balance, beginning of period $ 89,218 113,736 $ 98,268 130,661 Provision (reversal of provision) for credit losses (8,503 ) (6,824 ) (16,592 ) (22,890 ) Interest income on certain impaired loans (1) (734 ) (829 ) (2,441 ) (2,980 ) Loan charge-offs: Total commercial (685 ) — (685 ) — Consumer: Real estate 1-4 family first mortgage (996 ) (1,461 ) (3,218 ) (4,215 ) Real estate 1-4 family junior lien mortgage (1,098 ) (2,576 ) (3,501 ) (7,567 ) Total consumer (2,094 ) (4,037 ) (6,719 ) (11,782 ) Total loan charge-offs (2,779 ) (4,037 ) (7,404 ) (11,782 ) Loan recoveries: Total commercial 10 12 56 40 Consumer: Real estate 1-4 family first mortgage 844 2,632 3,280 7,983 Real estate 1-4 family junior lien mortgage 2,831 1,512 7,194 5,170 Total consumer 3,675 4,144 10,474 13,153 Total loan recoveries 3,685 4,156 10,530 13,193 Net loan recoveries 906 119 3,126 1,411 Other (2) (651 ) — (2,125 ) — Balance, end of period $ 80,236 106,202 $ 80,236 106,202 Components: Allowance for loan losses $ 78,743 104,556 $ 78,743 104,556 Allowance for unfunded credit commitments 1,493 1,646 1,493 1,646 Allowance for credit losses $ 80,236 106,202 $ 80,236 106,202 Net loan (recoveries) charge-offs as a percentage of average total loans (3) (0.01 )% — (0.01 )% (0.01 ) Allowance for loan losses as a percentage of total loans 0.25 0.32 0.25 0.32 Allowance for credit losses as a percentage of total loans 0.25 0.33 0.25 0.33 (1) Certain impaired loans with an allowance calculated by discounting expected cash flows using the loan’s effective interest rate over the remaining life of the loan recognize changes in allowance attributable to the passage of time as interest income. (2) Represents allowance for consumer loans sold to the Bank. (3) Quarterly net charge-offs (recoveries) as a percentage of average total loans are annualized. The following table summarizes the activity in the allowance for credit losses by our commercial and consumer portfolio segments. 2019 2018 (in thousands) Commercial Consumer Total Commercial Consumer Total Quarter ended September 30, Balance, beginning of period $ 24,046 65,172 89,218 25,856 87,880 113,736 Reversal of provision for credit losses (1,134 ) (7,369 ) (8,503 ) (2,146 ) (4,678 ) (6,824 ) Interest income on certain impaired loans — (734 ) (734 ) — (829 ) (829 ) Loan charge-offs (685 ) (2,094 ) (2,779 ) — (4,037 ) (4,037 ) Loan recoveries 10 3,675 3,685 12 4,144 4,156 Net loan recoveries (charge-offs) (675 ) 1,581 906 12 107 119 Other (1) — (651 ) (651 ) — — — Balance, end of period $ 22,237 57,999 80,236 23,722 82,480 106,202 Nine months ended September 30, Balance, beginning of period $ 26,281 71,987 98,268 28,085 102,576 130,661 Reversal of provision for credit losses (3,415 ) (13,177 ) (16,592 ) (4,403 ) (18,487 ) (22,890 ) Interest income on certain impaired loans — (2,441 ) (2,441 ) — (2,980 ) (2,980 ) Loan charge-offs (685 ) (6,719 ) (7,404 ) — (11,782 ) (11,782 ) Loan recoveries 56 10,474 10,530 40 13,153 13,193 Net loan recoveries (charge-offs) (629 ) 3,755 3,126 40 1,371 1,411 Other (1) — (2,125 ) (2,125 ) — — — Balance, end of period $ 22,237 57,999 80,236 23,722 82,480 106,202 (1) Represents allowance for consumer loans sold to the Bank. The following table disaggregates our allowance for credit losses and recorded investment in loans by impairment methodology. Allowance for credit losses Recorded investment in loans (in thousands) Commercial Consumer Total Commercial Consumer Total September 30, 2019 Collectively evaluated (1) $ 21,946 26,152 48,098 2,583,436 28,965,288 31,548,724 Individually evaluated (2) 291 31,847 32,138 1,764 301,789 303,553 Purchased credit-impaired (PCI) (3) — — — — 6,772 6,772 Total $ 22,237 57,999 80,236 2,585,200 29,273,849 31,859,049 December 31, 2018 Collectively evaluated (1) $ 25,839 34,581 60,420 3,053,465 32,071,367 35,124,832 Individually evaluated (2) 442 37,406 37,848 1,958 361,122 363,080 PCI (3) — — — — 7,156 7,156 Total $ 26,281 71,987 98,268 3,055,423 32,439,645 35,495,068 (1) Represents loans collectively evaluated for impairment in accordance with Accounting Standards Codification (ASC) 450-20, Loss Contingencies , and pursuant to amendments by ASU 2010-20 regarding allowance for non-impaired loans. (2) Represents loans individually evaluated for impairment in accordance with ASC 310-10, Receivables , and pursuant to amendments by ASU 2010-20 regarding allowance for impaired loans. (3) Represents the allowance and related loan carrying value determined in accordance with ASC 310-30 , Receivables - Loans and Debt Securities Acquired with Deteriorated Credit Quality and pursuant to amendments by ASU 2010-20 regarding allowance for PCI loans. Credit Quality We monitor credit quality by evaluating various attributes and utilize such information in our evaluation of the appropriateness of the allowance for credit losses. The following sections provide the credit quality indicators we most closely monitor. The credit quality indicators are generally based on information as of our financial statement date, with the exception of updated Fair Isaac Corporation (FICO) scores and updated loan-to-value (LTV)/combined LTV (CLTV). We obtain FICO scores at loan origination and the scores are generally updated at least quarterly, except in limited circumstances, including compliance with the Fair Credit Reporting Act (FCRA). Generally, the LTV and CLTV indicators are updated in the second month of each quarter, with updates no older than June 30 , 2019 . COMMERCIAL CREDIT QUALITY INDICATORS In addition to monitoring commercial loan concentration risk, we manage a consistent process for assessing commercial loan credit quality. Generally commercial loans are subject to individual risk assessment using our internal borrower and collateral quality ratings. Our ratings are aligned to Pass and Criticized categories. The Criticized category includes Special Mention, Substandard, and Doubtful categories which are defined by bank regulatory agencies. The table below provides a breakdown of outstanding commercial loans by risk category. (in thousands) Total September 30, 2019 By risk category: Pass $ 2,563,587 Criticized 21,613 Total commercial loans $ 2,585,200 December 31, 2018 By risk category: Pass $ 3,016,328 Criticized 39,095 Total commercial loans $ 3,055,423 The following table provides past due information for commercial loans, which we monitor as part of our credit risk management practices. (in thousands) Total September 30, 2019 By delinquency status: Current-29 days past due (DPD) and still accruing $ 2,571,969 30-89 DPD and still accruing 11,740 90+ DPD and still accruing — Nonaccrual loans 1,491 Total commercial loans $ 2,585,200 December 31, 2018 By delinquency status: Current-29 DPD and still accruing $ 3,044,878 30-89 DPD and still accruing 8,570 90+ DPD and still accruing — Nonaccrual loans 1,975 Total commercial loans $ 3,055,423 CONSUMER CREDIT QUALITY INDICATORS We have various classes of consumer loans that present unique risks. Loan delinquency, FICO credit scores and LTV/CLTV for loan types are common credit quality indicators that we monitor and utilize in our evaluation of the appropriateness of the allowance for credit losses for the consumer portfolio segment. Many of our loss estimation techniques used for the allowance for credit losses rely on delinquency-based models; therefore, delinquency is an important indicator of credit quality and the establishment of our allowance for credit losses. The following table provides the outstanding balances of our consumer portfolio by delinquency status. (in thousands) Real estate 1-4 family first mortgage Real estate 1-4 family junior lien mortgage Total September 30, 2019 By delinquency status: Current-29 DPD $ 28,605,858 531,273 29,137,131 30-59 DPD 47,938 10,897 58,835 60-89 DPD 15,792 3,506 19,298 90-119 DPD 8,158 2,511 10,669 120-179 DPD 7,305 1,633 8,938 180+ DPD 39,509 5,020 44,529 Remaining PCI accounting adjustments (3,543 ) (2,008 ) (5,551 ) Total consumer loans $ 28,721,017 552,832 29,273,849 December 31, 2018 By delinquency status: Current-29 DPD $ 31,627,108 642,271 32,269,379 30-59 DPD 60,060 11,230 71,290 60-89 DPD 15,032 6,934 21,966 90-119 DPD 11,435 1,889 13,324 120-179 DPD 12,846 2,055 14,901 180+ DPD 47,935 8,127 56,062 Remaining PCI accounting adjustments (4,603 ) (2,674 ) (7,277 ) Total consumer loans $ 31,769,813 669,832 32,439,645 The following table provides a breakdown of our consumer portfolio by FICO. FICO is not available for certain loan types and may not be obtained if we deem it unnecessary due to strong collateral and other borrower attributes. (in thousands) Real estate 1-4 family first mortgage Real estate 1-4 family junior lien mortgage Total September 30, 2019 By FICO: < 600 $ 129,880 43,110 172,990 600-639 102,722 28,450 131,172 640-679 233,202 50,441 283,643 680-719 754,085 94,235 848,320 720-759 2,085,787 102,390 2,188,177 760-799 4,951,864 84,792 5,036,656 800+ 20,319,775 133,137 20,452,912 No FICO available 147,245 18,285 165,530 Remaining PCI accounting adjustments (3,543 ) (2,008 ) (5,551 ) Total consumer loans $ 28,721,017 552,832 29,273,849 December 31, 2018 By FICO: < 600 $ 154,020 54,681 208,701 600-639 109,783 39,374 149,157 640-679 264,931 67,341 332,272 680-719 883,451 114,961 998,412 720-759 2,346,168 122,706 2,468,874 760-799 5,753,691 100,921 5,854,612 800+ 22,092,691 149,147 22,241,838 No FICO available 169,681 23,375 193,056 Remaining PCI accounting adjustments (4,603 ) (2,674 ) (7,277 ) Total consumer loans $ 31,769,813 669,832 32,439,645 LTV refers to the ratio comparing the loan’s unpaid principal balance to the property’s collateral value. CLTV refers to the combination of first mortgage and junior lien mortgage ratios. LTVs and CLTVs are updated quarterly using a cascade approach which first uses values provided by automated valuation models (AVMs) for the property. If an AVM is not available, then the value is estimated using the original appraised value adjusted by the change in Home Price Index (HPI) for the property location. If an HPI is not available, the original appraised value is used. The HPI value is normally the only method considered for high value properties, generally with an original value of $1 million or more, as the AVM values have proven less accurate for these properties. The following table shows the most updated LTV and CLTV distribution of the real estate 1-4 family first and junior lien mortgage loan portfolios. We consider the trends in residential real estate markets as we monitor credit risk and establish our allowance for credit losses. In the event of a default, any loss should be limited to the portion of the loan amount in excess of the net realizable value of the underlying real estate collateral value. Certain loans do not have an LTV or CLTV due to industry data availability and portfolios acquired from or serviced by other institutions. (in thousands) Real estate 1-4 family first mortgage by LTV Real estate 1-4 family junior lien mortgage by CLTV Total September 30, 2019 By LTV/CLTV: 0-60% $ 19,081,852 242,206 19,324,058 60.01-80% 8,985,238 159,945 9,145,183 80.01-100% 565,789 103,902 669,691 100.01-120% (1) 56,406 35,616 92,022 > 120% (1) 24,429 12,459 36,888 No LTV/CLTV available 10,846 712 11,558 Remaining PCI accounting adjustments (3,543 ) (2,008 ) (5,551 ) Total consumer loans $ 28,721,017 552,832 29,273,849 December 31, 2018 By LTV/CLTV: 0-60% $ 19,522,839 272,946 19,795,785 60.01-80% 11,273,694 196,614 11,470,308 80.01-100% 837,192 135,556 972,748 100.01-120% (1) 83,515 49,441 132,956 > 120% (1) 43,004 17,196 60,200 No LTV/CLTV available 14,172 753 14,925 Remaining PCI accounting adjustments (4,603 ) (2,674 ) (7,277 ) Total consumer loans $ 31,769,813 669,832 32,439,645 (1) Reflects total loan balances with LTV/CLTV amounts in excess of 100%. In the event of default, the loss content would generally be limited to only the amount in excess of 100% LTV/CLTV. NONACCRUAL LOANS The following table provides loans on nonaccrual status. PCI loans are excluded from this table because they continue to earn interest from accretable yield, independent of performance in accordance with their contractual terms. (in thousands) Sep 30, Dec 31, Total commercial $ 1,491 1,975 Consumer: Real estate 1-4 family first mortgage 113,007 142,325 Real estate 1-4 family junior lien mortgage 26,910 34,625 Total consumer 139,917 176,950 Total nonaccrual loans (excluding PCI) $ 141,408 178,925 LOANS IN PROCESS OF FORECLOSURE Our recorded investment in consumer mortgage loans collateralized by residential real estate property that are in process of foreclosure was $36.0 million and $46.4 million at September 30, 2019 and December 31, 2018 , and none of these loans are government insured/guaranteed. We commence the foreclosure process on consumer real estate loans when a borrower becomes 120 days delinquent in accordance with the Consumer Finance Protection Bureau Guidelines. Foreclosure procedures and timelines vary depending on whether the property address resides in a judicial or non-judicial state. Judicial states require the foreclosure to be processed through the state’s courts while non-judicial states are processed without court intervention. Foreclosure timelines vary according to state law. LOANS 90 DAYS OR MORE PAST DUE AND STILL ACCRUING Certain loans 90 days or more past due as to interest or principal are still accruing, because they are (1) well-secured and in the process of collection or (2) real estate 1-4 family mortgage loans exempt under regulatory rules from being classified as nonaccrual until later delinquency, usually 120 days past due. PCI loans of $380 thousand at September 30, 2019 , and $373 thousand at December 31, 2018 , are excluded from this disclosure even though they are 90 days or more contractually past due. These PCI loans are considered to be accruing because they continue to earn interest from accretable yield, independent of performance in accordance with their contractual terms. The following table shows non-PCI loans 90 days or more past due and still accruing. (in thousands) Sep 30, 2019 Dec 31, 2018 Total commercial $ — — Consumer: Real estate 1-4 family first mortgage 3,371 5,819 Real estate 1-4 family junior lien mortgage 970 708 Total consumer 4,341 6,527 Total past due (excluding PCI) $ 4,341 6,527 Impaired Loans The table below summarizes key information for impaired loans. Our impaired loans predominantly include loans on nonaccrual status in the commercial portfolio segment and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans generally have estimated losses which are included in the allowance for credit losses. We have impaired loans with no allowance for credit losses when loss content has been previously recognized through charge-offs and we do not anticipate additional charge-offs or losses, or certain loans are currently performing in accordance with their terms and for which no loss has been estimated. Impaired loans exclude PCI loans. The table below includes trial modifications that totaled $4.0 million at September 30, 2019 and $5.3 million at December 31, 2018 . Recorded investment (in thousands) Unpaid principal balance Impaired loans Impaired loans with related allowance for credit losses Related allowance for credit losses September 30, 2019 Total commercial $ 3,170 1,764 1,534 291 Consumer: Real estate 1-4 family first mortgage (1) 261,293 237,717 124,957 20,213 Real estate 1-4 family junior lien mortgage 67,945 64,072 48,870 11,634 Total consumer 329,238 301,789 173,827 31,847 Total impaired loans (excluding PCI) $ 332,408 303,553 175,361 32,138 December 31, 2018 Total commercial $ 2,369 1,958 1,958 442 Consumer: Real estate 1-4 family first mortgage 336,694 282,330 153,353 23,995 Real estate 1-4 family junior lien mortgage 87,941 78,792 59,509 13,411 Total consumer 424,635 361,122 212,862 37,406 Total impaired loans (excluding PCI) $ 427,004 363,080 214,820 37,848 (1) Impaired loans includes reduction for loans sold to the Bank. The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans by portfolio segment and class. Quarter ended September 30, Nine months ended September 30, 2019 2018 2019 2018 (in thousands) Average Recognized interest income Average recorded investment Recognized interest income Average Recognized interest income Average recorded investment Recognized interest income Total commercial $ 2,042 18 2,903 16 2,126 46 2,996 43 Consumer: Real estate 1-4 family first mortgage 242,040 3,668 295,471 4,660 264,617 11,886 304,118 14,414 Real estate 1-4 family junior lien mortgage 70,067 1,134 81,597 1,632 74,358 4,340 85,549 5,316 Total consumer 312,107 4,802 377,068 6,292 338,975 16,226 389,667 19,730 Total impaired loans $ 314,149 4,820 379,971 6,308 341,101 16,272 392,663 19,773 Interest income: Cash basis of accounting $ 1,434 1,911 5,037 5,818 Other (1) 3,386 4,397 11,235 13,955 Total interest income $ 4,820 6,308 16,272 19,773 (1) Includes interest recognized on accruing TDRs, interest recognized related to certain impaired loans which have an allowance calculated using discounting, and amortization of purchase accounting adjustments related to certain impaired loans. Troubled Debt Restructuring (TDRs) When, for economic or legal reasons related to a borrower’s financial difficulties, we grant a concession for other than an insignificant period of time to a borrower that we would not otherwise consider, the related loan is classified as a TDR, the balance of which totaled $303.6 million and $363.1 million at September 30, 2019 and December 31, 2018 , respectively. We do not consider loan resolutions, such as foreclosure or short sale, to be a TDR. We may require some consumer borrowers experiencing financial difficulty to make trial payments generally for a period of three to four months, according to the terms of a planned permanent modification, to determine if they can perform according to those terms. These arrangements represent trial modifications, which we classify and account for as TDRs. While loans are in trial payment programs, their original terms are not considered modified and they continue to advance through delinquency status and accrue interest according to their original terms. The following table summarizes our TDR modifications for the periods presented by primary modification type and includes the financial effects of these modifications. For those loans that modify more than once, the table reflects each modification that occurred during the period. Loans that both modify and pay off within the period, as well as changes in recorded investment during the period for loans modified in prior periods, are not included in the table. Primary modification type (1) Financial effects of modifications (in thousands) Principal (2) Interest rate reduction Other concessions (3) Total Charge- offs (4) Weighted average interest rate reduction Recorded investment related to interest rate reduction (5) Quarter ended September 30, 2019 Total commercial $ — — 271 271 — — % $ — Consumer: Real estate 1-4 family first mortgage 1,026 209 2,045 3,280 — 1.51 1,075 Real estate 1-4 family junior lien mortgage 17 192 389 598 — 2.41 209 Trial modifications (6) — — (252 ) (252 ) — — — Total consumer 1,043 401 2,182 3,626 — 1.66 1,284 Total $ 1,043 401 2,453 3,897 — 1.66 % $ 1,284 Quarter ended September 30, 2018 Total commercial $ — 549 — 549 — 3.11 % $ 549 Consumer: Real estate 1-4 family first mortgage 2,006 799 3,442 6,247 — 2.77 2,262 Real estate 1-4 family junior lien mortgage 27 603 1,030 1,660 39 2.53 603 Trial modifications (6) — — (774 ) (774 ) — — — Total consumer 2,033 1,402 3,698 7,133 39 2.72 2,865 Total $ 2,033 1,951 3,698 7,682 39 2.78 % $ 3,414 Primary modification type (1) Financial effects of modifications (in thousands) Principal (2) Interest rate reduction Other concessions (3) Total Charge- offs (4) Weighted average interest rate reduction Recorded investment related to interest rate reduction (5) Nine months ended September 30, 2019 Total commercial $ — — 365 365 — — % $ — Consumer: Real estate 1-4 family first mortgage 4,067 217 19,416 23,700 51 1.71 2,527 Real estate 1-4 family junior lien mortgage 617 380 3,773 4,770 45 3.30 935 Trial modifications (6) — — (354 ) (354 ) — — — Total consumer 4,684 597 22,835 28,116 96 2.14 3,462 Total $ 4,684 597 23,200 28,481 96 2.14 % $ 3,462 Nine months ended September 30, 2018 Total commercial $ — 549 2,067 2,616 — 3.11 % $ 549 Consumer: Real estate 1-4 family first mortgage 5,414 971 14,571 20,956 156 2.59 4,749 Real estate 1-4 family junior lien mortgage 71 940 4,725 5,736 51 2.58 940 Trial modifications (6) — — (1,766 ) (1,766 ) — — — Total consumer 5,485 1,911 17,530 24,926 207 2.59 5,689 Total $ 5,485 2,460 19,597 27,542 207 2.63 % $ 6,238 (1) Amounts represent the recorded investment in loans after recognizing the effects of the TDR, if any. TDRs may have multiple types of concessions, but are presented only once in the first modification type based on the order presented in the table above. The reported amounts include loans remodified of $1.1 million and $2.6 million for the quarters ended September 30, 2019 and 2018 , and $6.5 million and $9.4 million for the first nine months of 2019 and 2018 , respectively. (2) Principal modifications include principal forgiveness at the time of the modification, contingent principal forgiveness granted over the life of the loan based on borrower performance, and principal that has been legally separated and deferred to the end of the loan, with a zero percent contractual interest rate. (3) Other concessions include loans discharged in bankruptcy, loan renewals, term extensions and other interest and noninterest adjustments, but exclude modifications that also forgive principal and/or reduce the interest rate. (4) Charge-offs include write-downs of the investment in the loan in the period it is contractually modified. The amount of charge-off will differ from the modification terms if the loan has been charged down prior to the modification based on our policies. In addition, there may be cases where we have a charge-off/down with no legal principal modification. Modifications resulted in deferring or legally forgiving principal (actual or contingent) of $121 thousand and $166 thousand for the quarters ended September 30, 2019 and 2018 , and $512 thousand and $484 thousand for the first nine months of 2019 and 2018 , respectively. (5) Reflects the effect of reduced interest rates on loans with an interest rate concession as one of their concession types, which includes loans reported as a principal primary modification type that also have an interest rate concession. (6) Trial modifications are granted a delay in payments due under the original terms during the trial payment period. However, these loans continue to advance through delinquency status and accrue interest according to their original terms. Any subsequent permanent modification generally includes interest rate related concessions; however, the exact concession type and resulting financial effect are usually not known until the loan is permanently modified. Trial modifications for the period are presented net of previously reported trial modifications that became permanent in the current period. The table below summarizes permanent modification TDRs that have defaulted in the current period within 12 months of their permanent modification date. We report these defaulted TDRs based on a payment default definition of 90 days past due for the commercial portfolio segment and 60 days past due for the consumer portfolio segment. Recorded investment of defaults Quarter ended September 30, Nine months ended September 30, (in thousands) 2019 2018 2019 2018 Total commercial $ — — — 1,855 Consumer: Real estate 1-4 family first mortgage 58 337 2,004 1,454 Real estate 1-4 family junior lien mortgage 92 44 198 269 Total consumer 150 381 2,202 1,723 Total $ 150 381 2,202 3,578 |