Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating Activities
Net income	$ 533	$ 538	$ 218
Adjustments to reconcile net income to net cash used in operating activities:
Depreciation and amortization	84	76	70
Provision (benefit) for credit losses	(112)	149	18
Net gain on loan and asset sales	(655)	(971)	(335)
Proceeds from sales of HFS	51,036	41,799	15,866
Origination, premium paid and purchase of loans, net of principal repayments	(51,703)	(48,857)	(32,715)
Net change in:
Other	(361)	(763)	(205)
Net cash used in operating activities	(1,178)	(8,029)	(17,083)
Investing Activities
Proceeds from sale of AFS securities including loans that have been securitized	2,541	6,756	15,873
Collection of principal on investment securities AFS	732	610	184
Purchase of investment securities AFS and other	(408)	(360)	(500)
Collection of principal on investment securities HTM	172	221	106
Proceeds received from the sale of LHFI	79	488	219
Net origination, purchase, and principal repayments of LHFI	2,771	(4,650)	(3,179)
Acquisition of premises and equipment, net of proceeds	(33)	(54)	(61)
Net purchase of FHLB stock	0	(74)	0
Proceeds from the sale of MSRs	147	65	62
Other, net	(21)	(16)	(16)
Net cash provided by investing activities	5,980	2,986	12,688
Financing Activities
Net change in deposit accounts	(1,964)	4,826	2,766
Net change in short-term FHLB borrowings and other short-term debt	(2,020)	(265)	923
Proceeds from increases in FHLB long-term advances and other debt	200	550	550
Repayment of long-term FHLB advances	0	0	(50)
Repayment of long-term debt	(246)	(3)	0
Proceeds from issuance of subordinated debt	0	150	0
Subordinated debt issuance costs	0	(2)	0
Net receipt of payments of loans serviced for others	(319)	165	284
Dividends declared and paid	(13)	(11)	(9)
Stock repurchase	0	(150)	(50)
Other	(2)	(19)	5
Net cash provided by (used in) by financing activities	(4,364)	5,241	4,419
Net increase in cash, cash equivalents and restricted cash	438	198	24
Beginning cash, cash equivalents and restricted cash	654	456	432
Ending cash, cash equivalents and restricted cash	1,092	654	456
Supplemental disclosure of cash flow information
Interest paid on deposits and other borrowings	70	133	230
Income tax payments	185	161	4
Non-cash reclassification of investment securities HTM to AFS	0	0	0
Non-cash reclassification of loans originated LHFI to LHFS	55	549	120
Non-cash reclassification of LHFS to AFS securities	2,795	6,761	15,458
MSRs resulting from sale or securitization of loans	$ 269	$ 268	$ 223