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Allowance for Losses on Loans (Tables)
 6 Months Ended
Mar. 31, 2020
Receivables [Abstract]  
Summary of Activity in Allowance for Loan Losses
The following tables summarize the activity in the allowance for loan losses. 

Three Months Ended March 31, 2020Beginning
Allowance		Charge-offsRecoveriesProvision &
Transfers		Ending
Allowance
 (In thousands)
Single-family residential$30,700  $—  $192  $(1,612) $29,280  
Construction32,292  —  5  1,986  34,283  
Construction - custom1,399  —  —  181  1,580  
Land - acquisition & development8,746  —  126  (139) 8,733  
Land - consumer lot loans2,090  (77) 476  (383) 2,106  
Multi-family7,404  —  —  1,163  8,567  
Commercial real estate13,035  (13) 1,020  978  15,020  
Commercial & industrial33,540  (129) 57  2,967  36,435  
HELOC1,104  —  1  177  1,282  
Consumer2,203  (230) 360  (118) 2,215  
$132,513  $(449) $2,237  $5,200  $139,501  

Three Months Ended March 31, 2019Beginning
Allowance		Charge-offsRecoveriesProvision &
Transfers		Ending
Allowance
 (In thousands)
Single-family residential$31,484  $(150) $310  $(168) $31,476  
Construction31,463  —  —  1,933  33,396  
Construction - custom1,926  —  —  50  1,976  
Land - acquisition & development9,156  —  1,300  (722) 9,734  
Land - consumer lot loans2,144  (48) —  (20) 2,076  
Multi-family7,884  —  —  (490) 7,394  
Commercial real estate12,711  —  244  (507) 12,448  
Commercial & industrial30,279  (285) 24  556  30,574  
HELOC1,064  (200) 43  175  1,082  
Consumer3,054  (332) 265  (57) 2,930  
$131,165  $(1,015) $2,186  $750  $133,086  
Six Months Ended March 31, 2020Beginning
Allowance		Charge-offsRecoveriesProvision &
Transfers		Ending
Allowance
 (In thousands)
Single-family residential$30,988  $(15) $453  $(2,146) $29,280  
Construction32,304  —  59  1,920  34,283  
Construction - custom1,369  —  —  211  1,580  
Land - acquisition & development9,155  (11) 1,586  (1,997) 8,733  
Land - consumer lot loans2,143  (147) 486  (376) 2,106  
Multi-family7,391  —  498  678  8,567  
Commercial real estate13,170  (111) 1,388  573  15,020  
Commercial & industrial31,450  (179) 201  4,963  36,435  
HELOC1,103  —  94  85  1,282  
Consumer2,461  (604) 669  (311) 2,215  
$131,534  $(1,067) $5,434  $3,600  $139,501  

Six Months Ended March 31, 2019Beginning
Allowance		Charge-offsRecoveriesProvision &
Transfers		Ending
Allowance
 (In thousands)
Single-family residential$33,033  $(175) $539  $(1,921) $31,476  
Construction31,317  —  —  2,079  33,396  
Construction - custom1,842  —  —  134  1,976  
Land - acquisition & development7,978  —  3,082  (1,326) 9,734  
Land - consumer lot loans2,164  (120) 265  (233) 2,076  
Multi-family8,329  —  —  (935) 7,394  
Commercial real estate11,852  (339) 770  165  12,448  
Commercial & industrial28,702  (464) 58  2,278  30,574  
HELOC781  (1,086) 44  1,343  1,082  
Consumer3,259  (472) 477  (334) 2,930  
$129,257  $(2,656) $5,235  $1,250  $133,086  
Summary of Loans Collectively and Individually Evaluated for Impairment and Related Allocation of Reserves
The following tables show loans collectively and individually evaluated for impairment and the related allocation of general and specific reserves.
 
March 31, 2020Loans Collectively Evaluated for ImpairmentLoans Individually Evaluated for Impairment
 Allowance AllocationRecorded Investment of LoansRatioAllowance AllocationRecorded Investment of LoansRatio
 (In thousands, except ratio data)(In thousands, except ratio data)
Single-family residential$29,280  $5,566,786  0.5 %$—  $19,606  0.0 %
Construction34,283  1,232,378  2.8  —  3,353  —  
Construction - custom1,580  270,880  0.6  —  —  —  
Land - acquisition & development8,732  152,541  5.7  1  82  1.2  
Land - consumer lot loans2,106  92,881  2.3  —  372  0.0  
Multi-family8,566  1,466,892  0.6  1  316  0.3  
Commercial real estate15,016  1,708,240  0.9  4  9,295  —  
Commercial & industrial36,432  1,370,838  2.7  3  855  0.4  
HELOC1,282  144,119  0.9  —  876  0.0  
Consumer2,215  104,527  2.1  —  —  0.0  
$139,492  $12,110,082  1.2 %$9  $34,755  — %

September 30, 2019Loans Collectively Evaluated for ImpairmentLoans Individually Evaluated for Impairment
 Allowance AllocationRecorded Investment of LoansRatioAllowance AllocationRecorded Investment of LoansRatio
 (In thousands, except ratio data)(In thousands, except ratio data)
Single-family residential$30,988  $5,822,200  0.5 %$—  $17,978  0.0 %
Construction32,304  1,164,889  2.8  —  —  —  
Construction - custom1,369  255,505  0.5  —  —  —  
Land - acquisition & development9,135  160,964  5.7  20  230  8.7  
Land - consumer lot loans2,143  95,574  2.2  —  375  0.0  
Multi-family7,387  1,422,266  0.5  4  385  1.0  
Commercial real estate12,847  1,618,406  0.8  323  12,765  2.5  
Commercial & industrial31,358  1,266,913  2.5  92  1,805  5.1  
HELOC1,103  140,378  0.8  —  837  0.0  
Consumer2,461  129,527  1.9  —  50  0.0  
$131,095  $12,076,622  1.1 %$439  $34,425  1.3 %
Summary of Loans Based on Credit Quality Indicators
The following tables provide information on loans based on risk rating categories as defined above.

March 31, 2020Internally Assigned Grade
 PassSpecial mentionSubstandardDoubtfulLossTotal Gross Loans
 (In thousands, except ratio data)
Loan type
  Single-family residential$5,557,959  $—  $24,285  $—  $—  $5,582,244  
  Construction2,200,930  —  3,353  —  —  2,204,283  
  Construction - custom547,731  —  —  —  —  547,731  
  Land - acquisition & development194,587  —  2,423  —  —  197,010  
  Land - consumer lot loans95,901  —  678  —  —  96,579  
  Multi-family1,462,588  4,643  —  —  —  1,467,231  
  Commercial real estate1,694,801  2,718  20,016  —  —  1,717,535  
  Commercial & industrial1,302,665  1,621  66,828  14  —  1,371,128  
  HELOC144,697  —  1,064  —  —  145,761  
  Consumer105,147  —  —  —  —  105,147  
Total gross loans$13,307,006  $8,982  $118,647  $14  $—  $13,434,649  
Total grade as a % of total gross loans99.05 %0.07 %0.88 %0.00 %— %


September 30, 2019Internally Assigned Grade
 PassSpecial mentionSubstandardDoubtfulLossTotal Gross Loans
 (In thousands, except ratio data)
Loan type
 Single-family residential$5,808,444  $—  $26,750  $—  $—  $5,835,194  
 Construction2,038,052  —  —  —  —  2,038,052  
 Construction - custom540,741  —  —  —  —  540,741  
 Land - acquisition & development200,283  —  3,824  —  —  204,107  
 Land - consumer lot loans98,828  —  866  —  —  99,694  
 Multi-family1,418,837  —  3,837  —  —  1,422,674  
 Commercial real estate1,602,634  2,754  25,782  —  —  1,631,170  
 Commercial & industrial1,229,891  18,125  20,679  —  —  1,268,695  
 HELOC141,271  —  907  —  —  142,178  
 Consumer129,872  —  11  —  —  129,883  
Total gross loans$13,208,853  $20,879  $82,656  $—  $—  $13,312,388  
Total grade as a % of total gross loans99.22 %0.16 %0.62 %— %— %
The following tables provide information on gross loans based on borrower payment activity.

March 31, 2020Performing LoansNon-Performing Loans
 Amount% of Total
Gross  Loans		Amount% of Total
Gross  Loans
 (In thousands, except ratio data)
Single-family residential$5,559,385  99.6 %$22,859  0.4 %
Construction2,200,930  99.8  3,353  0.2  
Construction - custom547,731  100.0  —  —  
Land - acquisition & development196,928  100.0  82  0.0  
Land - consumer lot loans96,171  99.6  408  0.4  
Multi-family1,467,231  100.0  —  —  
Commercial real estate1,713,161  99.7  4,374  0.3  
Commercial & industrial1,370,658  100.0  470  0.0  
HELOC144,697  99.3  1,064  0.7  
Consumer105,147  100.0  —  0.0  
$13,402,039  99.8 %$32,610  0.2 %

September 30, 2019Performing LoansNon-Performing Loans
 Amount% of Total
Gross  Loans		Amount% of Total
Gross  Loans
 (In thousands, except ratio data)
Single-family residential$5,809,923  99.6 %$25,271  0.4 %
Construction2,038,052  100.0  —  —  
Construction - custom540,741  100.0  —  —  
Land - acquisition & development203,938  99.9  169  0.1  
Land - consumer lot loans99,448  99.8  246  0.2  
Multi-family1,422,674  100.0  —  —  
Commercial real estate1,625,335  99.6  5,835  0.4  
Commercial & industrial1,267,403  99.9  1,292  0.1  
HELOC141,271  99.4  907  0.6  
Consumer129,872  100.0  11  0.0  
$13,278,657  99.7 %$33,731  0.3 %
Summary of Impaired Loans Based on Type
The following tables provide information on impaired loan balances and the related allowances by loan types. 

March 31, 2020Recorded
Investment		Unpaid
Principal
Balance		Related
Allowance		Average Recorded Investment
(Year-To-Date)
 (In thousands)
Impaired loans with no related allowance recorded:
Single-family residential$16,523  $17,440  $—  $17,002  
Construction3,434  3,434  —  1,145  
Land - acquisition & development—  —  —  26  
Land - consumer lot loans280  350  —  298  
Commercial real estate7,412  11,753  —  7,376  
Commercial & industrial458  464  —  670  
HELOC799  799  —  668  
Consumer—  —  —  17  
28,906  34,240  —  27,202  
Impaired loans with an allowance recorded:
Single-family residential97,024  99,317  1,097  103,743  
Land - acquisition & development82  149  1  86  
Land - consumer lot loans3,418  3,583  —  3,510  
Multi-family316  316  1  360  
Commercial real estate1,883  1,883  4  3,096  
Commercial & industrial397  514  3  411  
HELOC843  859  —  911  
Consumer56  56  —  58  
104,019  106,677  1,106  (1) 112,175  
Total impaired loans:
Single-family residential113,547  116,757  1,097  120,745  
Construction3,434  3,434  —  1,145  
Land - acquisition & development82  149  1  112  
Land - consumer lot loans3,698  3,933  —  3,808  
Multi-family316  316  1  360  
Commercial real estate9,295  13,636  4  10,472  
Commercial & industrial855  978  3  1,081  
HELOC1,642  1,658  —  1,579  
Consumer56  56  —  75  
$132,925  $140,917  $1,106  (1) $139,377  

(1)Includes $9,000 of specific reserves and $1,097,000 included in the general reserves.
September 30, 2019Recorded
Investment		Unpaid
Principal
Balance		Related
Allowance		Average Recorded Investment
(Year-To-Date)
 (In thousands)
Impaired loans with no related allowance recorded:
Single-family residential$17,979  $19,252  $—  $16,685  
Construction—  —  —  1,172  
Construction - custom—  —  —  251  
Land - acquisition & development78  143  —  290  
Land - consumer lot loans344  848  —  287  
Multi-family—  —  —  286  
Commercial real estate7,467  11,881  —  8,890  
Commercial & industrial1,114  5,312  —  7,168  
HELOC837  931  —  597  
Consumer50  119  —  23  
27,869  38,486  —  35,649  
Impaired loans with an allowance recorded:
Single-family residential112,042  114,609  2,208  125,976  
Land - acquisition & development91  152  —  99  
Land - consumer lot loans3,556  3,695  20  4,324  
Multi-family385  385  4  418  
Commercial real estate4,168  5,298  323  5,160  
Commercial & industrial426  691  92  2,535  
HELOC949  963  —  961  
Consumer60  282  —  65  
121,677  126,075  2,647  (1) 139,538  
Total impaired loans:
Single-family residential130,021  133,861  2,208  142,661  
Construction—  —  —  1,172  
Construction - custom—  —  —  251  
Land - acquisition & development169  295  —  389  
Land - consumer lot loans3,900  4,543  20  4,611  
Multi-family385  385  4  704  
Commercial real estate11,635  17,179  323  14,050  
Commercial & industrial1,540  6,003  92  9,703  
HELOC1,786  1,894  —  1,558  
Consumer110  401  —  88  
$149,546  $164,561  $2,647  (1) $175,187  

(1)Includes $439,000 of specific reserves and $2,208,000 included in the general reserves.