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Loans Receivable (Tables)
 6 Months Ended
Mar. 31, 2020
Receivables [Abstract]  
Schedule of Loans Receivable
The following table is a summary of loans receivable.
 March 31, 2020September 30, 2019
(In thousands)(In thousands)
Gross loans by category
   Single-family residential$5,582,244  41.5 %$5,835,194  43.8 %
   Construction2,204,283  16.4  2,038,052  15.3  
   Construction - custom547,731  4.1  540,741  4.1  
   Land - acquisition & development197,010  1.5  204,107  1.5  
   Land - consumer lot loans96,579  0.7  99,694  0.7  
   Multi-family1,467,231  10.9  1,422,674  10.7  
   Commercial real estate1,717,535  12.8  1,631,170  12.3  
   Commercial & industrial1,371,128  10.2  1,268,695  9.5  
   HELOC145,761  1.1  142,178  1.1  
   Consumer105,147  0.8  129,883  1.0  
Total gross loans13,434,649  100 %13,312,388  100 %
   Less:
      Allowance for loan losses139,501  131,534  
      Loans in process1,289,812  1,201,341  
      Net deferred fees, costs and discounts31,095  48,938  
Total loan contra accounts1,460,408  1,381,813  
Net loans$11,974,241  $11,930,575  
Summary of Information Regarding Non-Accrual Loans
The following table sets forth information regarding non-accrual loans.
 
 March 31, 2020September 30, 2019
 (In thousands, except ratio data)
Non-accrual loans:
Single-family residential$22,859  70.1 %$25,271  74.9 %
Construction3,353  10.3  —  —  
Land - acquisition & development82  0.3  169  0.5  
Land - consumer lot loans408  1.2  246  0.7  
Commercial real estate4,374  13.4  5,835  17.3  
Commercial & industrial470  1.4  1,292  3.8  
HELOC1,064  3.3  907  2.7  
Consumer—  0.0  11  0.0  
Total non-accrual loans$32,610  100 %$33,731  100 %
% of total net loans0.27 %0.28 %
Analysis of Age of Loans in Past Due Status
The following tables provide details regarding delinquent loans.
 
March 31, 2020Loans ReceivableDays Delinquent Based on $ Amount of Loans% based
on $
Type of LoanNet of Loans In ProcessCurrent306090Total Delinquent
(In thousands, except ratio data)
Single-family residential$5,582,243  $5,556,051  $5,154  $3,857  $17,181  $26,192  0.47 %
Construction1,235,731  1,232,378  —  —  3,353  3,353  0.27  
Construction - custom270,880  270,880  —  —  —  —  —  
Land - acquisition & development152,623  152,229  394  —  —  394  0.26  
Land - consumer lot loans96,580  95,796  141  270  373  784  0.81  
Multi-family1,467,208  1,466,852  356  —  —  356  0.02  
Commercial real estate1,717,535  1,712,893  580  414  3,648  4,642  0.27  
Commercial & industrial1,371,128  1,368,840  2,215  —  73  2,288  0.17  
HELOC145,761  144,709  151  37  864  1,052  0.72  
Consumer105,148  104,564  276  86  222  584  0.56  
Total Loans$12,144,837  $12,105,192  $9,267  $4,664  $25,714  $39,645  0.33 %
Delinquency %99.67%0.08%0.04%0.21%0.33%


September 30, 2019Loans ReceivableDays Delinquent Based on $ Amount of Loans% based
on $
Type of LoanNet of Loans In ProcessCurrent306090Total Delinquent
(In thousands, except ratio data)
Single-family residential$5,835,186  $5,809,239  $3,672  $3,211  $19,064  $25,947  0.44 %
Construction1,164,889  1,164,889  —  —  —  —  —  
Construction - custom255,505  255,505  —  —  —  —  —  
Land - acquisition & development161,194  161,194  —  —  —  —  —  
Land - consumer lot loans99,694  98,916  112  619  47  778  0.78  
Multi-family1,422,652  1,422,652  —  —  —  —  —  
Commercial real estate1,631,171  1,625,509  1,614  285  3,763  5,662  0.35  
Commercial & industrial1,268,695  1,267,828  —  —  867  867  0.07  
HELOC142,178  140,718  580  183  697  1,460  1.03  
Consumer129,883  129,227  295  117  244  656  0.51  
Total Loans$12,111,047  $12,075,677  $6,273  $4,415  $24,682  $35,370  0.29 %
Delinquency %99.71%0.05%0.04%0.20%0.29%