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LOANS AND CREDIT QUALITY (Tables)

3 Months Ended

Mar. 31, 2024

Receivables [Abstract]

Loans Held for Investment

LHFI consists of the following:

(in thousands)			At March 31, 2024						At December 31, 2023
CRE
Non-owner occupied CRE			$	633,401					$	641,885
Multifamily			3,929,679						3,940,189
Construction/land development			575,152						565,916
Total			5,138,232						5,147,990
Commercial and industrial loans
Owner occupied CRE			381,943						391,285
Commercial business			387,464						359,049
Total			769,407						750,334
Consumer loans
Single family			1,149,940						1,140,279
Home equity and other			387,150						384,301
Total (1)			1,537,090						1,524,580
Total LHFI			7,444,729						7,422,904
Allowance for credit losses ("ACL")			(39,677)						(40,500)
Total LHFI less ACL			$	7,405,052					$	7,382,404

(1)    Includes $1.3 million at both March 31, 2024 and December 31, 2023, of loans where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in the consolidated income statements.

Activity in Allowance for Credit Losses

Activity in the ACL for LHFI and the allowance for unfunded commitments was as follows:

			Quarter Ended March 31,
(in thousands)			2024						2023
Beginning balance			$	40,500					$	41,500
Provision for credit losses			242						589
Net (charge-offs) recoveries			(1,065)						(589)
Ending balance			$	39,677					$	41,500
Allowance for unfunded commitments:
Beginning balance			$	1,823					$	2,197
Provision for credit losses			(242)						4
Ending balance			$	1,581					$	2,201
Provision for credit losses:
Allowance for credit losses - loans			$	242					$	589
Allowance for unfunded commitments			(242)						4
Total			$	—					$	593

Activity in the ACL for LHFI by loan portfolio and loan sub-class was as follows:

			Quarter Ended March 31, 2024
(in thousands)			Beginning balance						Charge-offs						Recoveries						Provision						Ending balance
CRE
Non-owner occupied CRE			$	2,610					$	—					$	—					$	(479)					$	2,131
Multifamily			13,093						—						—						5,854						18,947
Construction/land development
Multifamily construction			3,983						—						—						(2,362)						1,621
CRE construction			189						—						—						(1)						188
Single family construction			7,365						—						—						(1,787)						5,578
Single family construction to permanent			672						—						—						(237)						435
Total			27,912						—						—						988						28,900
Commercial and industrial loans
Owner occupied CRE			899						—						—						(63)						836
Commercial business			2,950						(1,081)						1						776						2,646
Total			3,849						(1,081)						1						713						3,482
Consumer loans
Single family			5,287						—						2						(1,016)						4,273
Home equity and other			3,452						(24)						37						(443)						3,022
Total			8,739						(24)						39						(1,459)						7,295
Total ACL			$	40,500					$	(1,105)					$	40					$	242					$	39,677

			Quarter Ended March 31, 2023
(in thousands)			Beginning balance						Charge-offs						Recoveries						Provision						Ending balance
CRE
Non-owner occupied CRE			$	2,102					$	—					$	—					$	506					$	2,608
Multifamily			10,974						—						—						(1,187)						9,787
Construction/land development
Multifamily construction			998						—						—						347						1,345
CRE construction			196						—						—						8						204
Single family construction			12,418						—						—						107						12,525
Single family construction to permanent			1,171						—						—						40						1,211
Total			27,859						—						—						(179)						27,680
Commercial and industrial loans
Owner occupied CRE			1,030						—						—						(120)						910
Commercial business			3,247						(633)						24						778						3,416
Total			4,277						(633)						24						658						4,326
Consumer loans
Single family			5,610						—						15						179						5,804
Home equity and other			3,754						(50)						55						(69)						3,690
Total			9,364						(50)						70						110						9,494
Total ACL			$	41,500					$	(683)					$	94					$	589					$	41,500

Designated Loan Grades by Loan Portfolio Segment and Loan Class

The following table presents a vintage analysis of the commercial portfolio segment by loan sub-class and risk rating or delinquency status.

			At March 31, 2024
(in thousands)			2024						2023						2022						2021						2020						2019 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Non-owner occupied CRE
Pass			$	—					$	1,485					$	70,344					$	71,952					$	40,897					$	396,782					$	605					$	—					$	582,065
Special Mention			—						—						—						—						—						34,341						—						—						34,341
Substandard			—						—						—						—						—						16,435						560						—						16,995
Total			—						1,485						70,344						71,952						40,897						447,558						1,165						—						633,401
Multifamily
Pass			1,749						106,521						1,810,939						1,149,694						473,507						355,554						—						—						3,897,964
Special Mention			—						—						—						3,942						12,820						8,660						—						—						25,422
Substandard			—						—						—						—						—						6,293						—						—						6,293
Total			1,749						106,521						1,810,939						1,153,636						486,327						370,507						—						—						3,929,679
Multifamily construction
Pass			—						9,013						54,134						119,609						—						—						—						—						182,756
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						10,374						—						—						—						—						—						10,374
Total			—						9,013						64,508						119,609						—						—						—						—						193,130
CRE construction
Pass			—						6						—						14,686						—						—						—						—						14,692
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						3,824						—						—						—						3,824
Total			—						6						—						14,686						3,824						—						—						—						18,516
Single family construction
Pass			28,174						72,899						21,050						10,036						—						71						146,445						—						278,675
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Total			28,174						72,899						21,050						10,036						—						71						146,445						—						278,675
Single family construction to permanent
Current			781						29,592						40,126						12,223						2,109						—						—						—						84,831
Past due:
30-59 days			—						—						—						—						—						—						—						—						—
60-89 days			—						—						—						—						—						—						—						—						—
90+ days			—						—						—						—						—						—						—						—						—
Total			781						29,592						40,126						12,223						2,109						—						—						—						84,831
Owner occupied CRE
Pass			1,002						11,398						61,519						38,795						43,039						173,406						—						187						329,346
Special Mention			—						1,851						6,238						8,077						—						31,735						—						—						47,901
Substandard			—						—						—						—						—						4,696						—						—						4,696
Total			1,002						13,249						67,757						46,872						43,039						209,837						—						187						381,943
Commercial business
Pass			25,923						17,625						44,752						25,010						32,020						38,288						170,397						924						354,939
Special Mention			—						—						11,033						3,515						—						511						2,762						—						17,821
Substandard			—						—						273						1,106						7,342						4,905						1,023						55						14,704
Total			25,923						17,625						56,058						29,631						39,362						43,704						174,182						979						387,464
Total commercial portfolio			$	57,629					$	250,390					$	2,130,782					$	1,458,645					$	615,558					$	1,071,677					$	321,792					$	1,166					$	5,907,639

The following table presents a vintage analysis of the consumer portfolio segment by loan sub-class and delinquency status:

			At March 31, 2024
(in thousands)			2024						2023						2022						2021						2020						2019 and prior						Revolving						Revolving-term						Total
CONSUMER PORTFOLIO
Single family
Current			$	576					$	31,388					$	370,769					$	314,411					$	145,739					$	284,386					$	—					$	—					$	1,147,269
Past due:
30-59 days			—						—						—						—						—						1,298						—						—						1,298
60-89 days			—						—						—						—						371						461						—						—						832
90+ days			—						—						—						—						—						541						—						—						541
Total			576						31,388						370,769						314,411						146,110						286,686						—						—						1,149,940
Home equity and other
Current			530						1,763						2,279						248						112						1,600						373,327						5,296						385,155
Past due:
30-59 days			—						2						—						2						—						—						646						80						730
60-89 days			—						—						2						—						—						—						68						—						70
90+ days			—						8						2						—						—						24						1,116						45						1,195
Total			530						1,773						2,283						250						112						1,624						375,157						5,421						387,150
Total consumer portfolio (1)			$	1,106					$	33,161					$	373,052					$	314,661					$	146,222					$	288,310					$	375,157					$	5,421					$	1,537,090
Total LHFI			$	58,735					$	283,551					$	2,503,834					$	1,773,306					$	761,780					$	1,359,987					$	696,949					$	6,587					$	7,444,729

(1)    Includes $1.3 million of loans where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in the consolidated income statements.

The following table presents a vintage analysis of the commercial portfolio segment by loan sub-class and risk rating or delinquency status:

			At December 31, 2023
(in thousands)			2023						2022						2021						2020						2019						2018 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Non-owner occupied CRE
Pass			$	1,499					$	70,388					$	71,217					$	41,235					$	118,900					$	286,379					$	601					$	—					$	590,219
Special Mention			—						—						—						—						686						34,177						—						—						34,863
Substandard			—						—						—						—						16,230						—						573						—						16,803
Total			1,499						70,388						71,217						41,235						135,816						320,556						1,174						—						641,885
Multifamily
Pass			108,274						1,813,647						1,151,677						475,708						189,567						177,712						—						—						3,916,585
Special Mention			—						—						3,942						12,887						2,368						1,344						—						—						20,541
Substandard			—						—						—						—						—						3,063						—						—						3,063
Total			108,274						1,813,647						1,155,619						488,595						191,935						182,119						—						—						3,940,189
Multifamily construction
Pass			(198)						56,013						112,234						—						—						—						—						—						168,049
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Total			(198)						56,013						112,234						—						—						—						—						—						168,049
CRE construction
Pass			7						—						14,685						—						—						—						—						—						14,692
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						3,821						—						—						—						—						3,821
Total			7						—						14,685						3,821						—						—						—						—						18,513
Single family construction
Pass			75,305						39,621						12,294						—						—						72						146,758						—						274,050
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Total			75,305						39,621						12,294						—						—						72						146,758						—						274,050
Single family construction to permanent
Current			27,114						56,469						19,871						1,850						—						—						—						—						105,304
Past due:
30-59 days			—						—						—						—						—						—						—						—						—
60-89 days			—						—						—						—						—						—						—						—						—
90+ days			—						—						—						—						—						—						—						—						—
Total			27,114						56,469						19,871						1,850						—						—						—						—						105,304
Owner occupied CRE
Pass			12,459						68,399						39,629						43,399						65,392						111,199						2						1,122						341,601
Special Mention			1,871						1,478						9,290						—						2,956						28,784						—						—						44,379
Substandard			1						—						—						—						253						5,051						—						—						5,305
Total			14,331						69,877						48,919						43,399						68,601						145,034						2						1,122						391,285
Commercial business
Pass			17,970						45,892						27,227						33,404						16,198						24,903						157,656						973						324,223
Special Mention			—						11,465						2,891						—						452						38						3,485						—						18,331
Substandard			—						—						2,134						7,601						3,788						1,886						1,021						65						16,495
Total			17,970						57,357						32,252						41,005						20,438						26,827						162,162						1,038						359,049
Total commercial portfolio			$	244,302					$	2,163,372					$	1,467,091					$	619,905					$	416,790					$	674,608					$	310,096					$	2,160					$	5,898,324

The following table presents a vintage analysis of the consumer portfolio segment by loan sub-class and delinquency status:

			At December 31, 2023
(in thousands)			2023						2022						2021						2020						2019						2018 and prior						Revolving						Revolving-term						Total
CONSUMER PORTFOLIO
Single family
Current			$	27,011					$	354,691					$	313,866					$	147,183					$	49,126					$	245,574					$	—					$	—					$	1,137,451
Past due:
30-59 days			—						—						—						—						—						781						—						—						781
60-89 days			—						—						—						—						—						1,374						—						—						1,374
90+ days			—						—						—						—						—						673						—						—						673
Total			27,011						354,691						313,866						147,183						49,126						248,402						—						—						1,140,279
Home equity and other
Current			2,165						2,493						311						121						46						1,631						370,462						5,483						382,712
Past due:
30-59 days			8						2						—						—						—						—						802						162						974
60-89 days			1						3						—						—						—						—						419						—						423
90+ days			—						—						—						—						—						24						162						6						192
Total			2,174						2,498						311						121						46						1,655						371,845						5,651						384,301
Total consumer portfolio (1)			$	29,185					$	357,189					$	314,177					$	147,304					$	49,172					$	250,057					$	371,845					$	5,651					$	1,524,580
Total LHFI			$	273,487					$	2,520,561					$	1,781,268					$	767,209					$	465,962					$	924,665					$	681,941					$	7,811					$	7,422,904

(1)    Includes $1.3 million of loans where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in the consolidated income statements.

The following tables present a vintage analysis of the commercial and consumer portfolio segment by loan sub-class and gross charge-offs:

			At March 31, 2024
(in thousands)			2024						2023						2022						2021						2020						2019 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Commercial business
Gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	(1,081)					$	—					$	—					$	(1,081)
CONSUMER PORTFOLIO
Home equity and other
Gross charge-offs			—						—						(2)						—						—						—						(22)						—						(24)
Total LHFI			$	—					$	—					$	(2)					$	—					$	—					$	(1,081)					$	(22)					$	—					$	(1,105)

			December 31, 2023
(in thousands)			2023						2022						2021						2020						2019						2018 and prior						Revolving						Revolving-term						Total
COMMERCIAL PORTFOLIO
Commercial business
Gross charge-offs			$	—					$	—					$	(184)					$	—					$	(1,136)					$	295					$	13					$	(50)					$	(1,062)
CONSUMER PORTFOLIO
Home equity and other
Gross charge-offs			—						(106)						(22)						—						—						(4)						(187)						—						(319)
Total LHFI			$	—					$	(106)					$	(206)					$	—					$	(1,136)					$	291					$	(174)					$	(50)					$	(1,381)

Schedule of Collateral Dependent Loans

The following table presents the amortized cost basis of collateral-dependent loans by loan sub-class and collateral type:

									At March 31, 2024
(in thousands)									1-4 Family						Multifamily						Non-residential real estate						Other non-real estate						Total
CRE
Non-owner occupied CRE									$	561					—						$	16,240					$	—					$	16,801
Multifamily									—						1,915						—						—						1,915
Construction/land development
Multifamily construction									—						10,374						—						—						10,374
CRE construction									—						—						3,824						—						3,824
Total									561						12,289						20,064						—						32,914
Commercial and industrial loans
Commercial business									2,675						—						4,420						3,748						10,843
Total									2,675						—						4,420						3,748						10,843
Consumer loans
Single family									768						—						—						—						768
Total									768						—						—						—						768
Total collateral-dependent loans									$	4,004					$	12,289					$	24,484					$	3,748					$	44,525

									At December 31, 2023
(in thousands)									1-4 Family						Multifamily						Non-residential real estate						Other non-real estate						Total
CRE
Non-owner occupied CRE									$	573					$	—					$	16,230					$	—					$	16,803
Construction/land development
CRE construction									—						—						3,821						—						3,821
Total									573						—						20,051						—						20,624
Commercial and industrial loans
Commercial business									2,788						—						5,471						4,587						12,846
Total									2,788												5,471						4,587						12,846
Consumer loans
Single family									773						—						—						—						773
Total									773						—						—						—						773
Total collateral-dependent loans									$	4,134					$	—					$	25,522					$	4,587					$	34,243

Schedule of Loans on Nonaccrual with no Related Allowance for Credit Loss

The following table presents nonaccrual status for loans:

			At March 31, 2024												At December 31, 2023
(in thousands)			Nonaccrual with no related ACL						Total Nonaccrual						Nonaccrual with no related ACL						Total Nonaccrual
CRE
Non-owner occupied CRE			$	16,801					$	16,801					$	16,803					$	16,803
Multifamily			1,915						1,915						—						—
Construction/land development
Multifamily construction			10,374						10,374						—						—
CRE construction			3,824						3,824						3,821						3,821
Total			32,914						32,914						20,624						20,624
Commercial and industrial loans
Owner occupied CRE			686						686						706						706
Commercial business			11,622						11,622						13,151						13,686
Total			12,308						12,308						13,857						14,392
Consumer loans
Single family			1,054						2,345						773						2,650
Home equity and other			—						1,900						—						1,310
Total			1,054						4,245						773						3,960
Total nonaccrual loans			$	46,276					$	49,467					$	35,254					$	38,976

Schedule of Loans Past Due

The following tables present an aging analysis of past due loans by loan portfolio segment and loan sub-class:

			At March 31, 2024
			Past Due and Still Accruing
(in thousands)			30-59 days						60-89 days						90 days or more						Nonaccrual						Total past due and nonaccrual (1)						Current						Total loans
CRE
Non-owner occupied CRE			$	—					$	—					$	—					$	16,801					$	16,801					$	616,600					$	633,401
Multifamily			—						—						—						1,915						1,915						3,927,764						3,929,679
Construction/land development
Multifamily construction			—						—						—						10,374						10,374						182,756						193,130
CRE construction			—						—						—						3,824						3,824						14,692						18,516
Single family construction			—						—						—						—						—						278,675						278,675
Single family construction to permanent			—						—						—						—						—						84,831						84,831
Total			—						—						—						32,914						32,914						5,105,318						5,138,232
Commercial and industrial loans
Owner occupied CRE			—						—						—						686						686						381,257						381,943
Commercial business			—						—						—						11,622						11,622						375,842						387,464
Total			—						—						—						12,308						12,308						757,099						769,407
Consumer loans
Single family			4,621						2,565						3,794			(2)			2,345						13,325						1,136,615						1,149,940
Home equity and other			728						65						—						1,900						2,693						384,457						387,150
Total			5,349						2,630						3,794						4,245						16,018						1,521,072						1,537,090			(3)
Total loans			$	5,349					$	2,630					$	3,794					$	49,467					$	61,240					$	7,383,489					$	7,444,729
%			0.07		%				0.04		%				0.05		%				0.66		%				0.82		%				99.18		%				100.00		%

			At December 31, 2023
			Past Due and Still Accruing
(in thousands)			30-59 days						60-89 days						90 days or more						Nonaccrual						Total past due and nonaccrual (1)						Current						Total loans
CRE
Non-owner occupied CRE			$	—					$	—					$	—					$	16,803					$	16,803					$	625,082					$	641,885
Multifamily			—						1,915						—						—						1,915						3,938,274						3,940,189
Construction/land development
Multifamily construction			—						—						—						—						—						168,049						168,049
CRE construction			—						—						—						3,821						3,821						14,692						18,513
Single family construction			—						—						—						—						—						274,050						274,050
Single family construction to permanent			—						—						—						—						—						105,304						105,304
Total			—						1,915						—						20,624						22,539						5,125,451						5,147,990
Commercial and industrial loans
Owner occupied CRE			—						—						—						706						706						390,579						391,285
Commercial business			—						—						—						13,686						13,686						345,363						359,049
Total			—						—						—						14,392						14,392						735,942						750,334
Consumer loans
Single family			5,174						1,993						4,261			(2)			2,650						14,078						1,126,201						1,140,279
Home equity and other			974						225						—						1,310						2,509						381,792						384,301
Total			6,148						2,218						4,261						3,960						16,587						1,507,993						1,524,580			(3)
Total loans			$	6,148					$	4,133					$	4,261					$	38,976					$	53,518					$	7,369,386					$	7,422,904
%			0.08		%				0.05		%				0.06		%				0.53		%				0.72		%				99.28		%				100.00		%

(1)     Includes loans whose repayments are insured by the FHA or guaranteed by the VA or Small Business Administration ("SBA") of $11.9 million and $12.4 million at March 31, 2024 and December 31, 2023, respectively.

(2)    FHA-insured and VA-guaranteed single family loans that are 90 days or more past due are maintained on accrual status if they are determined to have little to no risk of loss.

(3)    Includes $1.3 million of loans at both March 31, 2024 and December 31, 2023, where a fair value option election was made at the time of origination and, therefore, are carried at fair value with changes in fair value recognized in our consolidated income statements.

Schedule of Loan Modifications

The following tables provide information related to loans modified for the quarters ended March 31, 2024 and 2023 to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:

			Significant Payment Delay
			Quarter Ended March 31,
			2024												2023
(in thousands, except percentages)			Amortized Cost Basis at Period End						% of Total Class of Financing Receivable						Amortized Cost Basis at Period End						% of Total Class of Financing Receivable
Commercial business			$	103					0.03		%				$	—					—		%

			Term Extension
			Quarter Ended March 31,
			2024												2023
(in thousands, except percentages)			Amortized Cost Basis at Period End						% of Total Class of Financing Receivable						Amortized Cost Basis at Period End						% of Total Class of Financing Receivable
Non-owner occupied CRE			$	560					0.09		%				$	—					—		%
Commercial business			3,555						0.92		%				—						—		%

			Significant Payment Delay and Term Extension
			Quarter Ended March 31,
			2024												2023
(in thousands, except percentages)			Amortized Cost Basis at Period End						% of Total Class of Financing Receivable						Amortized Cost Basis at Period End						% of Total Class of Financing Receivable
Single family			$	1,156					0.10		%				$	179					0.02		%

The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty:

Significant Payment Delay

Quarter Ended March 31,

2024

2023

Commercial business

The weighted average duration of loan payments deferred is 2.8 years.

—

Single Family

Provided payment deferrals to borrowers. A weighted average 2.5% of loan balances were capitalized and added to the remaining term of the loan.

Provided payment deferrals to borrowers. A weighted average 2.6% of loan balances were capitalized and added to the remaining term of the loan.

Term Extension

Quarter Ended March 31,

2024

2023

Non-owner occupied CRE

Added a weighted average 0.25 years to the life of loans, which reduced the monthly payment amounts to the borrowers.

—

Commercial business

Added a weighted average 0.4 years to the life of loans, which reduced the monthly payment amounts to the borrowers.

—

Single family

Added a weighted average 1.9 years to the life of loans, which reduced the monthly payment amounts to the borrowers.

Added a weighted average 14.2 years to the life of loans, which reduced the monthly payment amounts to the borrowers.

Schedule of Loan Modifications, Payment Status

The following table depicts the payment status of loans that were classified as MBFDs on or after January 1, 2023 through December 31, 2023:

			Payment Status (Amortized Cost Basis) at March 31, 2024
(in thousands)			Current						30-89 Days Past Due						90+ Days Past Due
Non-owner occupied CRE			$	16,240					$	—					$	—
Construction/land development			3,824						—						—
Commercial business			8,663						—						—
Single family			2,367						1,109						342
Total			$	31,094					$	1,109					$	342

The following table depicts the payment status of loans that were classified as MBFDs on or after January 1, 2022 through December 31, 2022:

			Payment Status (Amortized Cost Basis) at March 31, 2023
(in thousands)			Current						30-89 Days Past Due						90+ Days Past Due
Commercial business			$	1,355					$	—					$	—
Single family			19,006						1,746						1,627
Home equity and other			119						—						—
Total			$	20,480					$	1,746					$	1,627

Schedule of Loan Modifications with Subsequent Default

The following table provides the amortized cost basis as of March 31, 2024 of MBFDs on or after January 1, 2023 through December 31, 2023 and subsequently had a payment default:

			Amortized Cost Basis of Modified Loans That Subsequently Defaulted
			Quarter Ended March 31, 2024
(in thousands)			Significant Payment Delay						Term Extension						Interest Rate Reduction and Term Extension						Significant Payment Delay and Term Extension						Interest Rate Reduction, Significant Payment Delay and Term Extension
Non-owner occupied CRE			$	—					$	—					$	—					$	16,240					$	—
Construction/land development			—						—						—						3,824						—
Commercial business			—						4,420						—						—						—
Single family			241						—						—						351						—
Total			$	241					$	4,420					$	—					$	20,415					$	—

The following table provides the amortized cost basis as of March 31, 2023 of MBFDs on or after January 1, 2022 through December 31, 2022 and subsequently had a payment default:

			Amortized Cost Basis of Modified Loans That Subsequently Defaulted
			Quarter Ended March 31, 2023
(in thousands)			Significant Payment Delay						Term Extension						Interest Rate Reduction and Term Extension						Significant Payment Delay and Term Extension						Interest Rate Reduction, Significant Payment Delay and Term Extension
Single family			$	—					$	—					$	—					$	2,030					$	623

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