(4) Loans

A summary of loans, net of deferred fees and origination costs, by category is as follows:

	At December 31,
(In thousands)	2015		2014
Residential real estate mortgages	$	1,196,780	$	1,115,715
Commercial		1,159,089		1,144,761
Commercial real estate		1,430,618		1,334,984
Consumer		1,568,204		1,430,216
Home equity		528,442		569,595
Total loans	$	5,883,133	$	5,595,271

Included in the above loans are net deferred loan origination costs totaling $38.7 million and $35.6 million at December 31, 2015 and 2014, respectively. The Company had no residential loans held for sale as of December 31, 2015 and $3.2 million as of December 31, 2014.

At December 31, 2015 and 2014, the Company serviced $25.1 million and $23.4 million, respectively, of agricultural loans sold with recourse. Due to sufficient collateral on these loans, no reserve is considered necessary at December 31, 2015 and 2014.

FHLB advances are collateralized by a blanket lien on the Company's residential real estate mortgages.

In the ordinary course of business, the Company has made loans at prevailing rates and terms to directors, officers, and other related parties. Such loans, in management's opinion, do not present more than the normal risk of collectability or incorporate other unfavorable features. The aggregate amount of loans outstanding to qualifying related parties and changes during the years are summarized as follows:

(In thousands)	2015			2014
Balance at January 1	$	3,576		$	3,372
New loans		390			522
Adjustment due to change in composition of related parties		(265	)		253
Repayments		(1,355	)		(571	)
Balance at December 31	$	2,346		$	3,576