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Loans Held for Sale (Tables) | 3 Months Ended
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Mar. 31, 2025
Loans Held For Sale |
Schedule of Aggregate Fair Value Loans Held for Sale | The following table presents the aggregate fair value and the aggregate unpaid principal balance of loans held for sale: Schedule of Aggregate Fair Value Loans Held for Sale
|  | As of March 31, 2025 |  |  | As of December 31, 2024 |
Aggregate fair value |  | $ | 139,834,226 |  |  | $ | 131,181,148 |
Unpaid principal balance |  |  | 136,957,745 |  |  |  | 128,948,072 |
Unrealized gain |  |  | 2,876,481 |  |  |  | 2,233,076 |
Schedule of Mortgage Fee Income for Loans Held for Sale | Major categories of mortgage fee income for loans held for sale are summarized as follows: Schedule of Mortgage Fee Income for Loans Held for Sale
|  | 2025 |  |  | 2024 |
|  | Three Months Ended March 31, |
|  | 2025 |  |  | 2024 |
Loan fees |  | $ | 5,254,090 |  |  | $ | 5,520,465 |
Interest income |  |  | 1,667,434 |  |  |  | 1,482,819 |
Secondary gains |  |  | 16,954,943 |  |  |  | 14,730,974 |
Change in fair value of loan commitments |  |  | 474,540 |  |  |  | 561,778 |
Change in fair value of loans held for sale |  |  | 641,268 |  |  |  | (300,890 | )
Provision for loan loss reserve |  |  | (183,034 | ) |  |  | (163,476 | )
Mortgage fee income |  | $ | 24,809,241 |  |  | $ | 21,831,670 |
Summary of Loan Loss Reserve Included in Other Liabilities and Accrued Expenses | The loan loss reserve, which is included in other liabilities and accrued expenses, is summarized as follows: Summary of Loan Loss Reserve Included in Other Liabilities and Accrued Expenses
|  | As of March 31, 2025 |  |  | As of December 31, 2024 |
Balance, beginning of period |  | $ | 696,626 |  |  | $ | 547,233 |
Provision on current loan originations (1) |  |  | 183,034 |  |  |  | 932,154 |
Charge-offs, net of recaptured amounts |  |  | (177,769 | ) |  |  | (782,761 | )
Balance, end of period |  | $ | 701,891 |  |  | $ | 696,626 |
(1) |  | Included in mortgage fee income

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