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4) Loans Held For Sale (Tables) | 6 Months Ended
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Jun. 30, 2020
Table Text Block Supplement [Abstract] |
Aggregate fair value - Loans Held for Sale | The following is a summary of the aggregate fair value and the aggregate unpaid principal balance of loans held for sale for the periods presented:
| As of June 30 2020 | As of December 31 2019
Aggregate fair value | $ 356,949,958 | $ 213,457,632
Unpaid principal balance | 344,480,058 | 206,417,122
Unrealized gain | 12,469,900 | 7,040,510
Schedule of Mortgage Fee Income for Loans Held for Sale | Major categories of mortgage fee income for loans held for sale are as follows:
| Three Months Ended June 30 |  | Six Months Ended June 30
| 2020 |  | 2019 |  | 2020 |  | 2019
Loan fees | $ 15,226,536 |  | $ 8,626,163 |  | $ 22,940,750 |  | $ 13,437,482
Interest income | 2,601,605 |  | 1,690,098 |  | 4,282,063 |  | 2,904,730
Secondary gains | 49,422,815 |  | 21,201,216 |  | 77,269,683 |  | 38,585,201
Change in fair value of loan commitments | 5,278,099 |  | 603,797 |  | 8,553,132 |  | 1,536,324
Change in fair value of loans held for sale | 2,363,713 |  | 977,799 |  | 2,742,010 |  | 1,216,586
Provision for loan loss reserve | (1,524,435) |  | (152,506) |  | (2,137,544) |  | (254,885)
Mortgage fee income | $ 73,368,333 |  | $ 32,946,567 |  | $ 113,650,094 |  | $ 57,425,438
Schedule of loan loss reserve which is included in other liabilities and accrued expenses | The following is a summary of the loan loss reserve that is included in other liabilities and accrued expenses:
| As of June 30 2020 |  | As of December 31 2019
Balance, beginning of period | $ 4,046,288 |  | $ 3,604,869
Provision on current loan originations (1) | 1,524,435 |  | 643,284
Charge-offs, net of recaptured amounts | (784,357) |  | (201,865)
Balance, end of period | $ 4,786,366 |  | $ 4,046,288
(1) Included in mortgage fee income |  |  |

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