4. Loans

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

	At December 31,
(In thousands)	2018		2017
Commercial	$	1,291,568	$	1,258,212
Commercial Real Estate		1,930,742		1,769,620
Residential Real Estate		1,380,836		1,320,370
Dealer Finance		1,216,144		1,227,870
Specialty Lending		524,928		438,866
Home Equity		474,566		498,179
Other Consumer		68,925		70,522
Total loans	$	6,887,709	$	6,583,639

Included in the above loans are net deferred loan origination costs totaling $43.5 million and $42.6 million at December 31, 2018 and 2017, respectively. The Company had $6.9 million residential loans held for sale as of December 31, 2018. The Company had $0.7 million of residential loans held for sale as of December 31, 2017.

The total amount of loans serviced by the Company for unrelated third parties was $557.9 million and $586.7 million at December 31, 2018 and 2017, respectively. At December 31, 2018 and 2017, the Company had $0.5 million and $0.6 million, respectively, of mortgage servicing rights.

At December 31, 2018 and 2017, the Company serviced $27.2 million and $29.1 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, 2018 and 2017.

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)	2018			2017
Balance at January 1	$	1,577		$	2,050
New loans		260			297
Adjustment due to change in composition of related parties		-			198
Repayments		(199	)		(968	)
Balance at December 31	$	1,638		$	1,577