The day one adjustment will not impact our regulatory capital ratios in the short-term because we have elected to phase it in over five years. https://finance.yahoo.com/news/axos-financial-inc-ax-good-223432750.html With the slowdown in prepayment activity and stability in new jumbo mortgage and multifamily loan yields, we expect to maintain overall yields in our residential real estate mortgage loan book. Of the portfolio of single-family loans, the bank granted forbearance on approximately 5% of its portfolio until June 30, 2020. In jumbo single-family mortgages, many banks and nonbanks have pulled back on the aggressive lending terms and conditions they offered in the prior 12 to 18 months.Why would you say then adding on...Next question comes from Michael Perito with KBW. Our equipment leasing portfolio represents our entire exposure to the oil and gas sector, aircraft or restaurants. Thanks.Thank you, Johnny. Unfortunately, we're not getting quite the valuation we should deserve for the investment we're making, but that will become clear not only as we get through, I think, with flying colors this credit concern the credit concerns that people have, but also as we emerge on the other side with incredibly strong consumer, small business and commercial products.We have the ability to bring back a good portion of our off-balance sheet deposits if it's economically advantageous to do so. The weighted average loan-to-cost of our commercial specialty real estate loan portfolio was 43%, with strong junior partners supporting the capital structure. We have approximately $270 million of hotel and $150 million of retail mixed-use exposure in our commercial specialty real estate portfolio, representing 2.5% and approximately 1.4% of our total loans outstanding at June 30, 2020, respectively.
Just kind of wondering how large your envisage is getting over the next 12 months? But I think I was curious, have you started to see, as we look out here, though, I mean, I know, for example, in the New York area by me, and I imagine in some other areas, too, there's been big moves out to the city and the suburban real estate markets have picked up tremendously in some of these kind of wealthy, more densely populated areas. The Moody's historical variables were systematically tested and eliminated using our Square regression with back testing, leaving those Moody's variables most predictive of historical default results. And we don't see anything particularly concerning there right now given the loan-to-value ratios and the structures. Just curious what you guys are seeing as you look forward today?Yeah, I Just one question, Greg. And then just lastly for me and I'll step back. In our Securities business, we ended the quarter with approximately $207 million of margin loans, up $48 million from March 31, 2020, as some introducing broker-dealers and clients became more bullish in the June quarter. Returns as of 07/31/2020.Excluding PPP loans, the average rate on our loan book was 5.21% in the 6/30/2020, quarter compared to 5.56% in the quarter ended June 30, 2019. Like many banks, we elected to provide a range for our day one entry since that entry is pending review and testing in the normal course of our quarter ended September 30, 2020.In our C&I loan book, our asset-based lender finance and commercial specialty real estate loan portfolios have rates that adjust to an index. I know one of the features there is that the underlying assets are held in a bankruptcy remote SPE. Of the $82.1 million of nonperforming single-family mortgage loans, approximately 71% had a loan-to-value at or below 65%. We continue to see demand for our lending products at these higher credit standards. I know it's small. And then the industries that are are subject to stress in the new environment, we'll simply not do.Pricing on new general mortgages remain attractive despite some activity in the secondary market for non-agency mortgages and the reemergence of a few nonbank lenders.
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