4. Loans

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

	At December 31,
(In thousands)	2016		2015
Residential real estate mortgages	$	1,262,614	$	1,196,780
Commercial		1,242,701		1,159,089
Commercial real estate		1,543,301		1,430,618
Consumer		1,641,657		1,568,204
Home equity		507,784		528,442
Total loans	$	6,198,057	$	5,883,133

Included in the above loans are net deferred loan origination costs totaling $40.3 million and $38.7 million at December 31, 2016 and 2015, respectively. The Company had $0.6 million residential loans held for sale as of December 31, 2016. The Company had no residential loans held for sale as of December 31, 2015.

The total amount of loans serviced by the Company for unrelated third parties was $604.0 million and $616.1 million at December 31, 2016 and 2015, respectively. At December 31, 2016 and 2015, the Company had $0.9 million and $1.1 million, respectively, of mortgage servicing rights.

At December 31, 2016 and 2015, the Company serviced $28.5 million and $25.1 million, respectively, of agricultural loans sold with recourse. Due to sufficient collateral on these loans, no reserve is considered necessary at December 31, 2016 and 2015.

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)	2016			2015
Balance at January 1	$	2,346		$	3,576
New loans		936			390
Adjustment due to change in composition of related parties		(406	)		(265	)
Repayments		(826	)		(1,355	)
Balance at December 31	$	2,050		$	2,346