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Loans Held for Sale (Tables) | 9 Months Ended
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Sep. 30, 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 September 30, 2025 |  |  | As of December 31, 2024 |
Aggregate fair value |  | $ | 159,460,525 |  |  | $ | 131,181,148 |
Unpaid principal balance |  |  | 156,916,889 |  |  |  | 128,948,072 |
Unrealized gain |  |  | 2,543,636 |  |  |  | 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 |  |  | 2025 |  |  | 2024 |
|  | Three Months Ended September 30, |  |  | Nine Months Ended September 30, |
|  | 2025 |  |  | 2024 |  |  | 2025 |  |  | 2024 |
Loan fees |  | $ | 6,670,934 |  |  | $ | 7,358,830 |  |  | $ | 18,634,088 |  |  | $ | 20,245,527 |
Interest income |  |  | 2,500,007 |  |  |  | 2,357,379 |  |  |  | 6,533,686 |  |  |  | 6,104,113 |
Secondary gains |  |  | 20,378,078 |  |  |  | 17,982,124 |  |  |  | 57,518,242 |  |  |  | 51,387,693 |
Change in fair value of loan commitments |  |  | (202,896 | ) |  |  | (179,836 | ) |  |  | 404,048 |  |  |  | 811,765 |
Change in fair value of loans held for sale |  |  | 10,709 |  |  |  | 2,959,729 |  |  |  | 960,050 |  |  |  | 3,855,914 |
Provision for loan loss reserve |  |  | (217,587 | ) |  |  | (254,134 | ) |  |  | (616,524 | ) |  |  | (729,734 | )
Mortgage fee income |  | $ | 29,139,245 |  |  | $ | 30,224,092 |  |  | $ | 83,433,590 |  |  | $ | 81,675,278 |
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 September 30, 2025 |  |  | As of December 31, 2024 |
Balance, beginning of period |  | $ | 696,626 |  |  | $ | 547,233 |
Provision on current loan originations (1) |  |  | 616,524 |  |  |  | 932,154 |
Additional provision (2) |  |  | 40,000 |  |  |  | - |
Charge-offs, net of recaptured amounts |  |  | (764,281 | ) |  |  | (782,761 | )
Balance, end of period |  | $ | 588,869 |  |  | $ | 696,626 |
(1) |  | Included in mortgage fee income
(2) |  | Included in other expenses

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