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Loans and Leases (Tables)
 6 Months Ended
Jun. 30, 2021
Receivables [Abstract]  
Schedule Of Loans By Portfolio Segment The following table provides the amortized cost basis of loans and leases by portfolio segment and class as of June 30, 2021 and December 31, 2020, excluding accrued interest of $169 million and $180 million, respectively, which is included in other assets in the Consolidated Balance Sheets.
(Dollars in millions)June 30, 2021December 31, 2020
Commercial:
Commercial and industrial (a) (b)$27,652 $27,700 
Loans to mortgage companies4,876 5,404 
   Total commercial, financial, and industrial 32,528 33,104 
Commercial real estate12,292 12,275 
Consumer:
HELOC2,151 2,420 
Real estate installment loans8,714 9,305 
   Total consumer real estate10,865 11,725 
Credit card and other1,002 1,128 
Loans and leases$56,687 $58,232 
Allowance for loan and lease losses(815)(963)
Net loans and leases$55,872 $57,269 
(a)Includes equipment financing leases of $682 million and $587 million, respectively, as of June 30, 2021 and December 31, 2020.
(b)Includes PPP loans fully guaranteed by the SBA of $3.8 billion and $4.1 billion as of June 30, 2021 and December 31, 2020, respectively.
Financing Receivable Credit Quality Indicators
The following tables provide the amortized cost basis of the commercial loan portfolio by year of origination and credit quality indicator as of June 30, 2021 and December 31, 2020:
June 30, 2021
 C&I
(Dollars in millions)20212020201920182017Prior to 2017LMC (a)Revolving
 Loans		Revolving
Loans Converted
to Term Loans (b)		Total
Credit Quality Indicator:
Pass (PD grades 1 through 12) (c)$4,191 $6,164 $4,163 $1,958 $1,448 $2,758 $4,876 $5,827 $13 $31,398 
Special Mention (PD grade 13)22 50 56 75 24 75 — 155 5 462 
Substandard, Doubtful, or Loss (PD grades 14,15, and 16)52 122 77 118 24 111 — 117 47 668 
Total C&I loans$4,265 $6,336 $4,296 $2,151 $1,496 $2,944 $4,876 $6,099 $65 $32,528 
(a)     LMC includes non-revolving commercial lines of credit to qualified mortgage companies primarily for the temporary warehousing of eligible mortgage loans prior to the borrower's sale of those mortgage loans to third party investors. The loans are of short duration with maturities less than one year.
(b)    C&I loans converted from revolving to term in 2021 were not material.
(c)    2021 and 2020 balances include PPP loans.
December 31, 2020
C&I
(Dollars in millions)20202019201820172016Prior to 2016LMC (a)Revolving
 Loans		Revolving
Loans Converted
to Term Loans (b)		Total
Credit Quality Indicator:
Pass (PD grades 1 through 12) (c)$9,060 $5,138 $2,628 $1,748 $1,161 $2,145 $5,404 $4,571 $60 $31,915 
Special Mention (PD grade 13)89 93 70 31 37 64 — 127 1 512 
Substandard, Doubtful, or Loss (PD grades 14,15, and 16)182 77 114 50 42 58 — 95 59 677 
Total C&I loans$9,331 $5,308 $2,812 $1,829 $1,240 $2,267 $5,404 $4,793 $120 $33,104 
(a)    LMC includes non-revolving commercial lines of credit to qualified mortgage companies primarily for the temporary warehousing of eligible mortgage loans prior to the borrower's sale of those mortgage loans to third party investors. The loans are of short duration with maturities less than one year.
(b)    $50 million of C&I loans were converted from revolving to term in 2020.
(c)    2020 balances include PPP loans.

June 30, 2021
CRE
(Dollars in millions)20212020201920182017Prior to 2017Revolving
 Loans		Revolving Loans Converted to Term LoansTotal
Credit Quality Indicator:
Pass (PD grades 1 through 12) $1,238 $2,295 $3,248 $1,399 $873 $2,273 $299 $— $11,625 
Special Mention (PD grade 13)3 74 50 190 70 101 — — 488 
Substandard, Doubtful, or Loss (PD grades 14,15, and 16)4 18 11 25 40 55 26 — 179 
Total CRE loans$1,245 $2,387 $3,309 $1,614 $983 $2,429 $325 $— $12,292 

December 31, 2020
CRE
(Dollars in millions)20202019201820172016Prior to 2016Revolving
 Loans		Revolving Loans Converted to Term LoansTotal
Credit Quality Indicator:
Pass (PD grades 1 through 12)$2,477 $3,311 $1,750 $1,140 $946 $1,800 $259 $19 $11,702 
Special Mention (PD grade 13)48 24 117 75 71 54 — — 389 
Substandard, Doubtful, or Loss (PD grades 14,15, and 16)30 13 21 42 27 33 18 — 184 
Total CRE loans$2,555 $3,348 $1,888 $1,257 $1,044 $1,887 $277 $19 $12,275 
The following table reflects the amortized cost basis by year of origination and refreshed FICO scores for consumer real estate loans as of June 30, 2021 and December 31, 2020. Within consumer real estate, classes include HELOC and real estate installment. HELOCs are loans which during their draw period are classified as revolving loans. Once the draw period ends and the loan enters its repayment period, the loan converts to a term loan and is classified as revolving loans converted to term loans. All loans classified in the following tables as revolving loans or revolving loans converted to term loans are HELOCs. Real estate installment loans are originated as a fixed term loan and are classified below in their vintage year. All loans in the following tables classified in a vintage year are real estate installment loans.
June 30, 2021
 Consumer Real Estate
(Dollars in millions)20212020201920182017Prior to 2017Revolving
 Loans		Revolving
Loans Converted
to Term Loans (a)		Total
FICO score 740 or greater$645 $1,144 $950 $520 $460 $2,083 $1,165 $138 $7,105 
FICO score 720-73975 148 123 87 59 222 167 26 907 
FICO score 700-71970 104 83 60 66 229 161 28 801 
FICO score 660-69950 129 102 101 62 275 225 53 997 
FICO score 620-65912 38 61 24 18 136 77 29 395 
FICO score less than 620 171 49 27 37 44 250 47 35 660 
Total$1,023 $1,612 $1,346 $829 $709 $3,195 $1,842 $309 $10,865 
(a) $19 million of HELOC loans were converted from revolving to term in 2021.

December 31, 2020
 Consumer Real Estate
(Dollars in millions)20202019201820172016Prior to 2016Revolving
 Loans		Revolving Loans Converted to Term LoansTotal
FICO score 740 or greater$1,186 $1,167 $703 $610 $674 $1,719 $1,275 $159 $7,493 
FICO score 720-739157 158 100 77 92 197 186 29 996 
FICO score 700-719122 107 78 76 73 221 177 34 888 
FICO score 660-699130 141 123 75 85 296 264 59 1,173 
FICO score 620-65945 61 37 28 35 127 92 36 461 
FICO score less than 620 107 36 52 54 95 261 61 48 714 
Total$1,747 $1,670 $1,093 $920 $1,054 $2,821 $2,055 $365 $11,725 
The following tables reflect the amortized cost basis by year of origination and refreshed FICO scores for credit card and other loans as of June 30, 2021 and December 31, 2020.
June 30, 2021
 Credit Card and Other
(Dollars in millions)20212020201920182017Prior to 2017Revolving
 Loans		Revolving
Loans Converted
to Term Loans (a)		Total
FICO score 740 or greater$44 $45 $37 $43 $27 $104 $136 $7 $443 
FICO score 720-7399 7 6 5 7 27 37 2 100 
FICO score 700-7195 8 6 7 5 33 37 1 102 
FICO score 660-69921 11 8 12 7 47 92 3 201 
FICO score 620-6592 4 3 6 4 28 18 2 67 
FICO score less than 620 15 8 4 6 9 26 20 1 89 
Total$96 $83 $64 $79 $59 $265 $340 $16 $1,002 
(a) $3 million of other consumer loans were converted from revolving to term in 2021.

December 31, 2020
 Credit Card and Other
(Dollars in millions)20202019201820172016Prior to 2016Revolving
 Loans		Revolving Loans Converted to Term LoansTotal
FICO score 740 or greater$57 $52 $59 $37 $23 $116 $159 $5 $508 
FICO score 720-7397 7 9 8 8 27 91 2 159 
FICO score 700-7199 8 9 8 4 38 37 3 116 
FICO score 660-69930 12 15 9 9 48 46 3 172 
FICO score 620-6595 5 7 5 10 24 20 1 77 
FICO score less than 620 14 7 8 11 9 26 20 1 96 
Total$122 $91 $107 $78 $63 $279 $373 $15 $1,128 
Accruing And Non-Accruing Loans By Class
The following table reflects accruing and non-accruing loans and leases by class on June 30, 2021 and December 31, 2020:
June 30, 2021
 AccruingNon-Accruing 
(Dollars in millions)Current30-89
Days
Past Due		90+
Days
Past Due		Total
Accruing		Current30-89
Days
Past Due		90+
Days
Past Due		Total
Non-
Accruing		Total
Loans and Leases
Commercial, financial, and industrial:
C&I (a) $27,488 $40 $1 $27,529 $93 $2 $28 $123 $27,652 
Loans to mortgage companies4,876 — — 4,876 — — — — 4,876 
Total commercial, financial, and industrial32,364 40 1 32,405 93 2 28 123 32,528 
Commercial real estate:
CRE 12,216 6 — 12,222 18 — 52 70 12,292 
Consumer real estate:
HELOC (b)2,083 6 8 2,097 41 2 11 54 2,151 
Real estate installment loans (c)8,591 24 4 8,619 52 4 39 95 8,714 
Total consumer real estate10,674 30 12 10,716 93 6 50 149 10,865 
Credit card and other:
Credit card267 2 1 270 — — — — 270 
Other725 5 — 730 1 — 1 2 732 
Total credit card and other992 7 1 1,000 1 — 1 2 1,002 
Total loans and leases$56,246 $83 $14 $56,343 $205 $8 $131 $344 $56,687 


(a) $103 million of C&I loans are nonaccrual loans that have been specifically reviewed for impairment with no related allowance.
(b) $23 million of HELOC loans are nonaccrual loans that have been specifically reviewed for impairment with no related allowance.
(c) $8 million of real estate installment loans are nonaccrual loans that have been specifically reviewed for impairment with no related allowance.

December 31, 2020
 AccruingNon-Accruing 
(Dollars in millions)Current30-89
Days
Past Due		90+
Days
Past Due		Total
Accruing		Current30-89
Days
Past Due		90+
Days
Past Due		Total
Non-
Accruing		Total
Loans
Commercial, financial, and industrial:
C&I (a) $27,541 $15 $— $27,556 $88 $12 $44 $144 $27,700 
Loans to mortgage companies5,404 — — 5,404 — — — — 5,404 
Total commercial, financial, and industrial32,945 15 — 32,960 88 12 44 144 33,104 
Commercial real estate:
CRE 12,194 23 — 12,217 10 42 6 58 12,275 
Consumer real estate:
HELOC2,336 13 11 2,360 43 3 14 60 2,420 
Real estate installment loans9,138 40 5 9,183 63 9 50 122 9,305 
Total consumer real estate11,474 53 16 11,543 106 12 64 182 11,725 
Credit card and other:
Credit card279 3 1 283 — — — — 283 
Other838 6 — 844 1 — 1 2 845 
Total credit card and other1,117 9 1 1,127 1 — 1 2 1,128 
Total loans and leases, net of unearned income$57,730 $100 $17 $57,847 $205 $66 $115 $386 $58,232 
(a) $101 million of C&I loans are nonaccrual loans that have been specifically reviewed for impairment with no related allowance.
Schedule Of Troubled Debt Restructurings Occurring During The Year
The following tables present the end of period balance for loans modified in a TDR during the periods indicated:
 Three Months Ended June 30, 2021Three Months Ended June 30, 2020
(Dollars in millions)NumberPre-Modification Outstanding Recorded  InvestmentPost-Modification Outstanding Recorded  InvestmentNumberPre-Modification Outstanding Recorded  InvestmentPost-Modification Outstanding Recorded  Investment
Commercial, financial, and industrial:
C&I10 $19 $19 1 $5 $5 
Commercial real estate:
 CRE— — — — — — 
Consumer real estate:
HELOC7 — — 4 — — 
Real estate installment loans26 6 6 40 8 8 
Total consumer real estate33 6 6 44 8 8 
Credit card and other15 — — 16 — — 
Total TDRs58 $25 $25 61 $13 $13 
Six Months Ended June 30, 2021Six Months Ended June 30, 2020
(Dollars in millions)NumberPre-Modification Outstanding Recorded  InvestmentPost-Modification Outstanding Recorded  InvestmentNumberPre-Modification Outstanding Recorded  InvestmentPost-Modification Outstanding Recorded  Investment
Commercial, financial, and industrial:
C&I27 $28 $27 4 $11 $9 
Commercial real estate:
 CRE1 12 10 — — — 
Consumer real estate:
HELOC19 2 2 12 1 1 
Real estate installment loans35 8 8 50 9 9 
Total consumer real estate54 10 10 62 10 10 
Credit card and other28 — — 40 — — 
Total TDRs110 $50 $47 106 $21 $19 
Schedule Of Troubled Debt Restructurings Within The Previous 12 Months
The following tables present TDRs which re-defaulted during the three and six months ended June 30, 2021 and 2020, and as to which the modification occurred 12 months or less prior to the re-default. For purposes of this disclosure, FHN generally defines payment default as 30 or more days past due.
 Three Months Ended June 30, 2021Three Months Ended June 30, 2020
(Dollars in millions)NumberRecorded
Investment		NumberRecorded
Investment
Commercial, financial, and industrial:
C&I5 $1 — $— 
Commercial real estate:
 CRE2 9 — — 
Consumer real estate:
HELOC— — 3 1 
Real estate installment loans4 1 5 1 
Total consumer real estate4 1 8 2 
Credit card and other1 — 7 — 
Total TDRs12 $11 15 $2 
Six Months Ended June 30, 2021Six Months Ended June 30, 2020
(Dollars in millions)NumberRecorded
Investment		NumberRecorded
Investment
Commercial, financial, and industrial:
C&I12 $2 — $— 
Commercial real estate:
CRE2 9 — — 
Consumer real estate:
HELOC1 — 7 2 
Real estate installment loans7 3 10 2 
Total consumer real estate8 3 17 4 
Credit card and other1 — 14 — 
Total TDRs23 $14 31 $4