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Loans Held For Sale (Tables)
 9 Months Ended
Mar. 31, 2023
Receivables [Abstract]  
Schedule of Loans Held for Sale
Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:
March 31, 2023June 30, 2022
One-to-four family$156 $4,176 
SBA29,884 14,774 
HELOCs59,132 60,357 
Total loans held for sale, at the lower of cost or fair value$89,172 $79,307 
Loans consist of the following at the dates indicated(1):
March 31, 2023
June 30, 2022
Commercial real estate loans
Construction and land development$368,756 $291,202 
Commercial real estate - owner occupied524,247 335,658 
Commercial real estate - non-owner occupied926,991 662,159 
Multifamily85,285 81,086 
Total commercial real estate loans1,905,279 1,370,105 
Commercial loans
Commercial and industrial229,840 193,313 
Equipment finance440,345 394,541 
Municipal leases138,436 129,766 
Total commercial loans808,621 717,620 
Residential real estate loans
Construction and land development105,617 81,847 
One-to-four family518,274 354,203 
HELOCs193,037 160,137 
Total residential real estate loans816,928 596,187 
Consumer loans118,505 85,383 
Total loans, net of deferred loan fees and costs3,649,333 2,769,295 
ACL on loans(47,503)(34,690)
Loans, net$3,601,830 $2,734,605 
(1) At March 31, 2023 and June 30, 2022 accrued interest receivable of $13,027 and $7,969 was accounted for separately from the amortized cost basis.
The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, and securing collateral, as well as collateral coverage for those loans for the periods indicated below:
Type of Collateral and Extent to Which Collateral Secures Financial AssetsFinancial Assets Not Considered Collateral Dependent
March 31, 2023Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $368,756 $368,756 
Commercial real estate - owner occupied— — 1,054 — 523,193 524,247 
Commercial real estate - non-owner occupied— — 3,025 — 923,966 926,991 
Multifamily— — — — 85,285 85,285 
Total commercial real estate— — 4,079 — 1,901,200 1,905,279 
Commercial
Commercial and industrial— — — 1,238 228,602 229,840 
Equipment finance— — — — 440,345 440,345 
Municipal leases— — — — 138,436 138,436 
Total commercial— — — 1,238 807,383 808,621 
Residential real estate
Construction and land development— — — — 105,617 105,617 
One-to-four family758 — — — 517,516 518,274 
HELOCs— — — — 193,037 193,037 
Total residential real estate758 — — — 816,170 816,928 
Consumer— — — — 118,505 118,505 
Total$758 $— $4,079 $1,238 $3,643,258 $3,649,333 
Total collateral value$1,435 $— $8,870 $110 
Type of Collateral and Extent to Which Collateral Secures Financial AssetsFinancial Assets Not Considered Collateral Dependent
June 30, 2022Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $291,202 $291,202 
Commercial real estate - owner occupied— — — — 335,658 335,658 
Commercial real estate - non-owner occupied— — — — 662,159 662,159 
Multifamily— — — — 81,086 81,086 
Total commercial real estate— — — — 1,370,105 1,370,105 
Commercial
Commercial and industrial— — — 2,594 190,719 193,313 
Equipment finance— — — — 394,541 394,541 
Municipal leases— — — — 129,766 129,766 
Total commercial— — — 2,594 715,026 717,620 
Residential real estate
Construction and land development— — — — 81,847 81,847 
One-to-four family1,318 — — — 352,885 354,203 
HELOCs— — — — 160,137 160,137 
Total residential real estate1,318 — — — 594,869 596,187 
Consumer— — — — 85,383 85,383 
Total$1,318 $— $— $2,594 $2,765,383 $2,769,295 
Total collateral value$2,443 $— $— $69