Loans

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

	At December 31,
(In thousands)	2017		2016
Residential real estate mortgages	$	1,321,695	$	1,262,614
Commercial		1,317,174		1,242,701
Commercial real estate		1,711,095		1,543,301
Consumer		1,740,038		1,641,657
Home equity		494,771		507,784
Total loans	$	6,584,773	$	6,198,057

Included in the above loans are net deferred loan origination costs totaling $42.6 million and $40.3 million at December 31, 2017 and 2016, respectively. The Company had $0.7 million residential loans held for sale as of December 31, 2017. The Company had $0.6 million of residential loans held for sale as of December 31, 2016.

The total amount of loans serviced by the Company for unrelated third parties was $586.7 million and $604.0 million at December 31, 2017 and 2016, respectively. At December 31, 2017 and 2016, the Company had $0.6 million and $0.9 million, respectively, of mortgage servicing rights.

At December 31, 2017 and 2016, the Company serviced $29.1 million and $28.5 million, respectively, of agricultural loans sold with recourse. Due to sufficient collateral on these loans and government guarantees, no reserve is considered necessary at December 31, 2017 and 2016.

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)	2017			2016
Balance at January 1,	$	2,050		$	2,346
New loans		297			936
Adjustment due to change in composition of related parties		198			(406	)
Repayments		(968	)		(826	)
Balance at December 31,	$	1,577		$	2,050