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Loans Held for Investment (Tables) | 3 Months Ended
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Sep. 30, 2020
Loans Held for Investment |
Schedule of loans held for investment |
|  | September 30, |  | June 30,
(In Thousands) |  | 2020 |  | 2020
Mortgage loans: |  |  |  |  |  |
Single-family |  | $ | 288,790 |  | $ | 298,810
Multi-family |  |  | 482,900 |  |  | 491,903
Commercial real estate |  |  | 105,207 |  |  | 105,235
Construction (1) |  |  | 8,787 |  |  | 7,801
Other |  |  | 142 |  |  | 143
Commercial business loans (2) |  |  | 923 |  |  | 480
Consumer loans (3) |  |  | 100 |  |  | 94
Total loans held for investment, gross |  |  | 886,849 |  |  | 904,466
Advance payments of escrows |  |  | 39 |  |  | 68
Deferred loan costs, net |  |  | 6,555 |  |  | 6,527
Allowance for loan losses |  |  | (8,490) |  |  | (8,265)
Total loans held for investment, net |  | $ | 884,953 |  | $ | 902,796
| (1) |  | Net of $3.4 million and $4.0 million of undisbursed loan funds as of September 30, 2020 and June 30, 2020, respectively
| (2) |  | Net of $485 thousand and $935 thousand of undisbursed lines of credit as of September 30, 2020 and June 30, 2020, respectively.
| (3) |  | Net of $443 thousand and $448 thousand of undisbursed lines of credit as of September 30, 2020 and June 30, 2020, respectively.
Schedule of loans held for investment, contractual repricing |
|  | Adjustable Rate |  |  |  |  |  |
|  |  |  |  | After |  | After |  | After |  |  |  |  |  |
|  |  |  |  | One Year |  | 3 Years |  | 5 Years |  |  |  |  |  |
|  | Within One |  | Through 3 |  | Through 5 |  | Through 10 |  |  |  |  |  |
(In Thousands) |  | Year |  | Years |  | Years |  | Years |  | Fixed Rate |  | Total
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 75,377 |  | $ | 56,552 |  | $ | 74,327 |  | $ | 74,546 |  | $ | 7,988 |  | $ | 288,790
Multi-family |  |  | 158,412 |  |  | 155,709 |  |  | 154,045 |  |  | 14,586 |  |  | 148 |  |  | 482,900
Commercial real estate |  |  | 48,576 |  |  | 28,123 |  |  | 28,195 |  |  | — |  |  | 313 |  |  | 105,207
Construction |  |  | 6,626 |  |  | — |  |  | — |  |  | — |  |  | 2,161 |  |  | 8,787
Other |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 142 |  |  | 142
Commercial business loans |  |  | 535 |  |  | — |  |  | — |  |  | — |  |  | 388 |  |  | 923
Consumer loans |  |  | 100 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 100
Total loans held for investment, gross |  | $ | 289,626 |  | $ | 240,384 |  | $ | 256,567 |  | $ | 89,132 |  | $ | 11,140 |  | $ | 886,849
Schedule of gross loans held for investment by loan types and risk category |
|  | September 30, 2020
|  | Single- |  | Multi- |  | Commercial |  |  |  |  | Other |  | Commercial |  |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Mortgage |  | Business |  | Consumer |  | Total
Pass |  | $ | 281,593 |  | $ | 479,145 |  | $ | 105,207 |  | $ | 8,787 |  | $ | 142 |  | $ | 892 |  | $ | 100 |  | $ | 875,866
Special Mention |  |  | 2,175 |  |  | 3,755 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,930
Substandard |  |  | 5,022 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 31 |  |  | — |  |  | 5,053
Total loans held for investment, gross |  | $ | 288,790 |  | $ | 482,900 |  | $ | 105,207 |  | $ | 8,787 |  | $ | 142 |  | $ | 923 |  | $ | 100 |  | $ | 886,849
|  | June 30, 2020
|  | Single- |  | Multi- |  | Commercial |  |  |  |  | Other |  | Commercial |  |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Mortgage |  | Business |  | Consumer |  | Total
Pass |  | $ | 289,942 |  | $ | 488,126 |  | $ | 105,235 |  | $ | 6,098 |  | $ | 143 |  | $ | 445 |  | $ | 94 |  | $ | 890,083
Special Mention |  |  | 3,120 |  |  | 3,777 |  |  | — |  |  | 1,703 |  |  | — |  |  | — |  |  | — |  |  | 8,600
Substandard |  |  | 5,748 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 35 |  |  | — |  |  | 5,783
Total loans held for investment, gross |  | $ | 298,810 |  | $ | 491,903 |  | $ | 105,235 |  | $ | 7,801 |  | $ | 143 |  | $ | 480 |  | $ | 94 |  | $ | 904,466
Schedule of allowance for loan losses | The following table is provided to disclose additional details for the periods indicated on the Corporation’s allowance for loan losses:
|  | For the Quarter Ended |
|  | September 30, |
(Dollars in Thousands) |  | 2020 |  | 2019 |
Allowance at beginning of period |  | $ | 8,265 |  | $ | 7,076 |
Provision (recovery) for loan losses |  |  | 220 |  |  | (181) |
Recoveries: |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |
Single-family |  |  | 5 |  |  | 36 |
Total recoveries |  |  | 5 |  |  | 36 |
Charge-offs: |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |
Single-family |  |  | — |  |  | (1) |
Consumer loans |  |  | — |  |  | (1) |
Total charge-offs |  |  | — |  |  | (2) |
Net recoveries (charge-offs) |  |  | 5 |  |  | 34 |
Balance at end of period |  | $ | 8,490 |  | $ | 6,929 |
Allowance for loan losses as a percentage of gross loans held for investment at the end of the period |  |  | 0.95 | % |  | 0.74 | %
Net (recoveries) charge-offs as a percentage of average loans receivable, net, during the period (annualized) |  |  | (0.00) | % |  | (0.02) | %
Schedule of past due status of gross loans held for investment, net of fair value adjustments |
|  | September 30, 2020
|  |  |  |  | 30‑89 Days |  |  |  |  | Total Loans Held for
(In Thousands) |  | Current |  | Past Due |  | Non-Accrual (1) |  | Investment, Gross
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 283,862 |  | $ | — |  | $ | 4,928 |  | $ | 288,790
Multi-family |  |  | 482,900 |  |  | — |  |  | — |  |  | 482,900
Commercial real estate |  |  | 105,207 |  |  | — |  |  | — |  |  | 105,207
Construction |  |  | 8,787 |  |  | — |  |  | — |  |  | 8,787
Other |  |  | 142 |  |  | — |  |  | — |  |  | 142
Commercial business loans |  |  | 892 |  |  | — |  |  | 31 |  |  | 923
Consumer loans |  |  | 98 |  |  | 2 |  |  | — |  |  | 100
Total loans held for investment, gross |  | $ | 881,888 |  | $ | 2 |  | $ | 4,959 |  | $ | 886,849
| (1) |  | All loans 90 days or greater past due are placed on non-accrual status.
|  | June 30, 2020
|  |  |  |  | 30‑89 Days |  |  |  |  | Total Loans Held for
(In Thousands) |  | Current |  | Past Due |  | Non-Accrual (1) |  | Investment, Gross
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 293,326 |  | $ | 219 |  | $ | 5,265 |  | $ | 298,810
Multi-family |  |  | 491,903 |  |  | — |  |  | — |  |  | 491,903
Commercial real estate |  |  | 105,235 |  |  | — |  |  | — |  |  | 105,235
Construction |  |  | 7,801 |  |  | — |  |  | — |  |  | 7,801
Other |  |  | 143 |  |  | — |  |  | — |  |  | 143
Commercial business loans |  |  | 445 |  |  | — |  |  | 35 |  |  | 480
Consumer loans |  |  | 94 |  |  | — |  |  | — |  |  | 94
Total loans held for investment, gross |  | $ | 898,947 |  | $ | 219 |  | $ | 5,300 |  | $ | 904,466
| (1) |  | All loans 90 days or greater past due are placed on non-accrual status.
Schedule of allowance for loan losses and recorded investment |
|  | Quarter Ended September 30, 2020 |  |  |  |
|  | Single- |  | Multi- |  | Commercial |  |  |  |  |  |  |  | Commercial |  |  |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Other |  | Business |  | Consumer |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance at beginning of period |  | $ | 2,622 |  | $ | 4,329 |  | $ | 1,110 |  | $ | 171 |  | $ | 3 |  | $ | 24 |  | $ | 6 |  | $ | 8,265 |
Provision (recovery) for loan losses |  |  | 44 |  |  | 161 |  |  | 52 |  |  | (55) |  |  | — |  |  | 18 |  |  | — |  |  | 220 |
Recoveries |  |  | 5 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Allowance for loan losses, end of period |  | $ | 2,671 |  | $ | 4,490 |  | $ | 1,162 |  | $ | 116 |  | $ | 3 |  | $ | 42 |  | $ | 6 |  | $ | 8,490 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 80 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 4 |  | $ | — |  | $ | 84 |
Collectively evaluated for impairment |  |  | 2,591 |  |  | 4,490 |  |  | 1,162 |  |  | 116 |  |  | 3 |  |  | 38 |  |  | 6 |  |  | 8,406 |
Allowance for loan losses, end of period |  | $ | 2,671 |  | $ | 4,490 |  | $ | 1,162 |  | $ | 116 |  | $ | 3 |  | $ | 42 |  | $ | 6 |  | $ | 8,490 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 2,957 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 31 |  | $ | — |  | $ | 2,988 |
Collectively evaluated for impairment |  |  | 285,833 |  |  | 482,900 |  |  | 105,207 |  |  | 8,787 |  |  | 142 |  |  | 892 |  |  | 100 |  |  | 883,861 |
Total loans held for investment, gross |  | $ | 288,790 |  | $ | 482,900 |  | $ | 105,207 |  | $ | 8,787 |  | $ | 142 |  | $ | 923 |  | $ | 100 |  | $ | 886,849 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.92 | % |  | 0.93 | % |  | 1.10 | % |  | 1.32 | % |  | 2.11 | % |  | 4.55 | % |  | 6.00 | % |  | 0.95 | %
|  | Quarter Ended September 30, 2019 |
|  | Single- |  | Multi- |  | Commercial |  |  |  |  |  |  |  | Commercial |  |  |  |  |  |  |
(In Thousands) |  | family |  | family |  | Real Estate |  | Construction |  | Other |  | Business |  | Consumer |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance at beginning of period |  | $ | 2,709 |  | $ | 3,219 |  | $ | 1,050 |  | $ | 61 |  | $ | 3 |  | $ | 26 |  | $ | 8 |  | $ | 7,076 |
Provision (recovery) for loan losses |  |  | (510) |  |  | 288 |  |  | 35 |  |  | 13 |  |  | (3) |  |  | (6) |  |  | 2 |  |  | (181) |
Recoveries |  |  | 36 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 36 |
Charge-offs |  |  | (1) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (1) |  |  | (2) |
Allowance for loan losses, end of period |  | $ | 2,234 |  | $ | 3,507 |  | $ | 1,085 |  | $ | 74 |  | $ | — |  | $ | 20 |  | $ | 9 |  | $ | 6,929 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 47 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 7 |  | $ | — |  | $ | 54 |
Collectively evaluated for impairment |  |  | 2,187 |  |  | 3,507 |  |  | 1,085 |  |  | 74 |  |  | — |  |  | 13 |  |  | 9 |  |  | 6,875 |
Allowance for loan losses, end of period |  | $ | 2,234 |  | $ | 3,507 |  | $ | 1,085 |  | $ | 74 |  | $ | — |  | $ | 20 |  | $ | 9 |  | $ | 6,929 |
Loans held for investment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,766 |  | $ | — |  | $ | — |  | $ | 1,139 |  | $ | — |  | $ | 45 |  | $ | — |  | $ | 4,950 |
Collectively evaluated for impairment |  |  | 324,566 |  |  | 479,597 |  |  | 110,652 |  |  | 4,773 |  |  | — |  |  | 323 |  |  | 144 |  |  | 920,055 |
Total loans held for investment, gross |  | $ | 328,332 |  | $ | 479,597 |  | $ | 110,652 |  | $ | 5,912 |  | $ | — |  | $ | 368 |  | $ | 144 |  | $ | 925,005 |
Allowance for loan losses as a percentage of gross loans held for investment |  |  | 0.68 | % |  | 0.73 | % |  | 0.98 | % |  | 1.25 | % |  | — | % |  | 5.43 | % |  | 6.25 | % |  | 0.74 | %
Schedule of recorded investment in non-performing loans |
|  | At September 30, 2020
|  | Unpaid |  |  |  |  |  |  |  |  |  |  | Net
|  | Principal |  | Related |  | Recorded |  |  |  |  | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance (1) |  | Investment
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 3,352 |  | $ | — |  | $ | 3,352 |  | $ | (430) |  | $ | 2,922
Without a related allowance (2) |  |  | 2,045 |  |  | (462) |  |  | 1,583 |  |  | — |  |  | 1,583
Total single-family |  |  | 5,397 |  |  | (462) |  |  | 4,935 |  |  | (430) |  |  | 4,505
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 31 |  |  | — |  |  | 31 |  |  | (4) |  |  | 27
Total commercial business loans |  |  | 31 |  |  | — |  |  | 31 |  |  | (4) |  |  | 27
Total non-performing loans |  | $ | 5,428 |  | $ | (462) |  | $ | 4,966 |  | $ | (434) |  | $ | 4,532
| (1) |  | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit adjustments.
| (2) |  | There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
|  | At June 30, 2020
|  | Unpaid |  |  |  |  |  |  |  |  |  |  | Net
|  | Principal |  | Related |  | Recorded |  |  |  |  | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance (1) |  | Investment
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 3,289 |  | $ | — |  | $ | 3,289 |  | $ | (438) |  | $ | 2,851
Without a related allowance (2) |  |  | 2,509 |  |  | (467) |  |  | 2,042 |  |  | — |  |  | 2,042
Total single-family |  |  | 5,798 |  |  | (467) |  |  | 5,331 |  |  | (438) |  |  | 4,893
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 35 |  |  | — |  |  | 35 |  |  | (4) |  |  | 31
Total commercial business loans |  |  | 35 |  |  | — |  |  | 35 |  |  | (4) |  |  | 31
Total non-performing loans |  | $ | 5,833 |  | $ | (467) |  | $ | 5,366 |  | $ | (442) |  | $ | 4,924
| (1) |  | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan, and fair value credit adjustments.
| (2) |  | There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
Schedule of Nonperforming Loans on Interest Income | The following tables present the average recorded investment in non-performing loans and the related interest income recognized for the quarter ended September 30, 2020 and 2019:
|  | Quarter Ended September 30,
|  | 2020 |  | 2019
|  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income
(In Thousands) |  | Investment |  | Recognized |  | Investment |  | Recognized
Without related allowances: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 1,883 |  | $ | — |  | $ | 3,086 |  | $ | 116
Construction |  |  | — |  |  | — |  |  | 1,084 |  |  | —
|  |  | 1,883 |  |  | — |  |  | 4,170 |  |  | 116
With related allowances: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  |  | 3,510 |  |  | 40 |  |  | 1,198 |  |  | 12
Commercial business loans |  |  | 32 |  |  | 1 |  |  | 46 |  |  | 1
|  |  | 3,542 |  |  | 41 |  |  | 1,244 |  |  | 13
Total |  | $ | 5,425 |  | $ | 41 |  | $ | 5,414 |  | $ | 129
Schedule of troubled debt restructurings by nonaccrual versus accrual status |
|  | At |  | At
(In Thousands) |  | September 30, 2020 |  | June 30, 2020
Restructured loans on non-accrual status: |  |  |  |  |  |
Mortgage loans: |  |  |  |  |  |
Single-family |  | $ | 2,421 |  | $ | 2,612
Commercial business loans |  |  | 27 |  |  | 31
Total |  |  | 2,448 |  |  | 2,643
Total restructured loans |  | $ | 2,448 |  | $ | 2,643
Schedule of recorded investment in restructured loans |
|  | At September 30, 2020
|  | Unpaid |  |  |  |  |  |  |  |  |  |  | Net
|  | Principal |  | Related |  | Recorded |  |  |  |  | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance (1) |  | Investment
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 1,640 |  | $ | — |  | $ | 1,640 |  | $ | (86) |  | $ | 1,554
Without a related allowance (2) |  |  | 1,232 |  |  | (365) |  |  | 867 |  |  | — |  |  | 867
Total single-family |  |  | 2,872 |  |  | (365) |  |  | 2,507 |  |  | (86) |  |  | 2,421
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 31 |  |  | — |  |  | 31 |  |  | (4) |  |  | 27
Total commercial business loans |  |  | 31 |  |  | — |  |  | 31 |  |  | (4) |  |  | 27
Total restructured loans |  | $ | 2,903 |  | $ | (365) |  | $ | 2,538 |  | $ | (90) |  | $ | 2,448
| (1) |  | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan.
| (2) |  | There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
|  | At June 30, 2020
|  | Unpaid |  |  |  |  |  |  |  |  |  |  | Net
|  | Principal |  | Related |  | Recorded |  |  |  |  | Recorded
(In Thousands) |  | Balance |  | Charge-offs |  | Investment |  | Allowance (1) |  | Investment
Mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  | $ | 1,650 |  | $ | — |  | $ | 1,650 |  | $ | (108) |  | $ | 1,542
Without a related allowance (2) |  |  | 1,435 |  |  | (365) |  |  | 1,070 |  |  | — |  |  | 1,070
Total single-family |  |  | 3,085 |  |  | (365) |  |  | 2,720 |  |  | (108) |  |  | 2,612
Commercial business loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With a related allowance |  |  | 35 |  |  | — |  |  | 35 |  |  | (4) |  |  | 31
Total commercial business loans |  |  | 35 |  |  | — |  |  | 35 |  |  | (4) |  |  | 31
Total restructured loans |  | $ | 3,120 |  | $ | (365) |  | $ | 2,755 |  | $ | (112) |  | $ | 2,643
| (1) |  | Consists of collectively and individually evaluated allowances, specifically assigned to the individual loan.
| (2) |  | There was no related allowance for loan losses because the loans have been charged-off to their fair value or the fair value of the collateral is higher than the loan balance.
Schedule of loan forbearance related to COVID-19 hardship requests |
|  | Forbearance Granted |  | Forbearance Completed |  | Forbearance Remaining
|  | Number of |  |  |  |  | Number of |  |  |  |  | Number of |  |  |
(Dollars In Thousands) |  | Loans |  | Amount |  | Loans |  | Amount |  | Loans |  | Amount
Single-family loans |  | 57 |  | $ | 23,036 |  | 13 |  | $ | 5,872 |  | 44 |  | $ | 17,164
Multi-family loans |  | 4 |  |  | 2,043 |  | 3 |  |  | 1,588 |  | 1 |  |  | 455
Commercial real estate loans |  | 2 |  |  | 1,069 |  | 2 |  |  | 1,069 |  | — |  |  | —
Total loan forbearance |  | 63 |  | $ | 26,148 |  | 18 |  | $ | 8,529 |  | 45 |  | $ | 17,619
As of September 30, 2020, certain characteristics of loans in forbearance are described below:
|  |  |  |  |  |  |  |  |  |  |  |  | Weighted |  | Weighted Avg.
|  |  |  |  |  |  | % of |  |  |  | Weighted |  | Avg. Debt |  | Forbearance
|  | Number |  |  |  |  | Total |  | Weighted |  | Avg. |  | Coverage |  | Period
(Dollars In Thousands) |  | of Loans |  |  | Amount |  | Loans |  | Avg. LTV(1) |  | FICO(2) |  | Ratio(3) |  | Granted(4)
Single-family loans |  | 44 |  | $ | 17,164 |  | 1.94 | % | 62 | % | 737 |  | N/A |  | 6.0
Multi-family loans |  | 1 |  |  | 455 |  | 0.05 | % | 60 | % | 687 |  | 1.32 | x | 3.0
Total loans in forbearance |  | 45 |  | $ | 17,619 |  | 1.99 | % | 62 | % | 733 |  | 1.32 | x | 5.9
(1)Current loan balance in comparison to the original appraised value. (2)At time of loan origination, borrowers and/or guarantors. (3)At time of loan origination. (4)In months.

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