(4) Loans

A summary of loans, net of deferred fees and origination costs, by category is as follows:

	At December 31,
(In thousands)	2014		2013
Residential real estate mortgages	$	1,115,589	$	1,041,637
Commercial		839,770		859,026
Commercial real estate		1,442,989		1,328,313
Real estate construction and development		83,750		93,247
Agricultural and agricultural real estate mortgages		107,195		112,035
Consumer		1,436,382		1,352,638
Home equity		569,596		619,899
Total loans	$	5,595,271	$	5,406,795

Included in the above loans are net deferred loan origination costs totaling $35.6 million and $31.8 million at December 31, 2014 and 2013, respectively. The Company had residential loans held for sale totaling $3.2 million as of December 31, 2014 and $0.1 million as of December 31, 2013.

At December 31, 2014 and 2013, the Company serviced $23.4 million and $15.7 million, respectively, of agricultural loans sold with recourse. Due to sufficient collateral on these loans, no reserve is considered necessary at December 31, 2014 and 2013.

FHLB advances are collateralized by a blanket lien on the Company’s residential real estate mortgages.

In the ordinary course of business, the Company has made loans at prevailing rates and terms to directors, officers, and other related parties. Such loans, in management’s opinion, do not present more than the normal risk of collectability or incorporate other unfavorable features. The aggregate amount of loans outstanding to qualifying related parties and changes during the years are summarized as follows:

(In thousands)	2014			2013
Balance at January 1	$	3,372		$	2,790
New loans		522			569
Adjustment due to change in composition of related parties		253			376
Repayments		(571	)		(363	)
Balance at December 31	$	3,576		$	3,372