XML 107 R71.htm IDEA: XBRL DOCUMENT v3.25.0.1
Loans and Related Allowance for Credit Losses (Credit Quality Indicators for Residential Real Estate and Home Equity Loan Classes) (Details) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Total loans, net [1] $ 316,467 $ 321,508  
Gross charge-offs      
Total 1,435 1,092 $ 985
Residential real estate      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 2,645 5,335  
Year two 4,595 10,064  
Year three 9,512 15,484  
Year four 14,637 6,832  
Year five 6,344 2,270  
Prior 8,682 7,559  
Total loans, net 46,415 47,544  
Gross charge-offs      
Year One  
Year Two 2  
Year Three 1  
Year Four 1 1  
Year Five  
Prior 2 4  
Revolving Loans  
Revolving Loans Converted to Term  
Total 3 8  
Residential real estate | FICO Score, Greater Than Or Equal To 780      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 1,730 3,206  
Year two 3,264 7,797  
Year three 7,584 12,197  
Year four 11,723 5,035  
Year five 4,683 1,492  
Prior 4,858 4,004  
Total loans, net 33,842 33,731  
Residential real estate | FICO Score, 720 to 779      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 789 1,482  
Year two 805 1,659  
Year three 1,406 2,389  
Year four 2,035 1,107  
Year five 1,004 432  
Prior 1,567 1,388  
Total loans, net 7,606 8,457  
Residential real estate | FICO Score, 660 to 719      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 115 400  
Year two 270 508  
Year three 401 657  
Year four 620 334  
Year five 324 171  
Prior 784 721  
Total loans, net 2,514 2,791  
Residential real estate | FICO Score, Less Than 660      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 9 93  
Year two 108 71  
Year three 90 133  
Year four 156 122  
Year five 116 82  
Prior 696 680  
Total loans, net 1,175 1,181  
Residential real estate | No FICO score available      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 1 140  
Year two 132 9  
Year three 8 92  
Year four 86 168  
Year five 151 56  
Prior 280 266  
Total loans, net 658 731  
Residential real estate | Government insured or guaranteed loans      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 1 14  
Year two 16 20  
Year three 23 16  
Year four 17 66  
Year five 66 37  
Prior 497 500  
Total loans, net 620 653  
Residential real estate | Greater than 100%      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 10 15  
Year two 55 139  
Year three 85 79  
Year four 52 31  
Year five 23 10  
Prior 32 28  
Total loans, net 257 302  
Residential real estate | Greater than or equal to 80% to 100%      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 591 1,665  
Year two 485 1,928  
Year three 954 955  
Year four 601 221  
Year five 171 69  
Prior 111 92  
Total loans, net 2,913 4,930  
Residential real estate | Less than 80%      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 2,043 3,585  
Year two 4,039 7,977  
Year three 8,450 14,421  
Year four 13,958 6,514  
Year five 6,084 2,154  
Prior 8,039 6,935  
Total loans, net 42,613 41,586  
Residential real estate | No LTV available      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one 56  
Year two  
Year three 13  
Year four 9  
Year five  
Prior 3 4  
Total loans, net 12 73  
Home equity      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one  
Year two  
Year three 162  
Year four 147 1,918  
Year five 1,713 868  
Prior 2,854 2,592  
Revolving Loans 8,373 8,265  
Revolving Loans Converted to Term 12,904 12,345  
Total loans, net 25,991 26,150  
Gross charge-offs      
Year One  
Year Two  
Year Three  
Year Four  
Year Five  
Prior 1 4  
Revolving Loans 16 7  
Revolving Loans Converted to Term 19 10  
Total 36 21  
Home equity | FICO Score, Greater Than Or Equal To 780      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one  
Year two  
Year three 102  
Year four 94 1,254  
Year five 1,145 489  
Prior 1,753 1,605  
Revolving Loans 4,720 4,604  
Revolving Loans Converted to Term 6,211 6,083  
Total loans, net 13,923 14,137  
Home equity | FICO Score, 720 to 779      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one  
Year two  
Year three 38  
Year four 34 423  
Year five 352 216  
Prior 572 488  
Revolving Loans 2,251 2,222  
Revolving Loans Converted to Term 3,274 3,225  
Total loans, net 6,483 6,612  
Home equity | FICO Score, 660 to 719      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one  
Year two  
Year three 17  
Year four 14 174  
Year five 151 110  
Prior 289 271  
Revolving Loans 1,193 1,207  
Revolving Loans Converted to Term 2,085 1,894  
Total loans, net 3,732 3,673  
Home equity | FICO Score, Less Than 660      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one  
Year two  
Year three 5  
Year four 5 65  
Year five 63 52  
Prior 234 220  
Revolving Loans 202 223  
Revolving Loans Converted to Term 1,290 1,089  
Total loans, net 1,794 1,654  
Home equity | No FICO score available      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one  
Year two  
Year three  
Year four 2  
Year five 2 1  
Prior 6 8  
Revolving Loans 7 9  
Revolving Loans Converted to Term 44 54  
Total loans, net 59 74  
Home equity | Greater than 100%      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one  
Year two  
Year three 1  
Year four 1 12  
Year five 12 6  
Prior 17 14  
Revolving Loans 368 306  
Revolving Loans Converted to Term 372 309  
Total loans, net 770 648  
Home equity | Greater than or equal to 80% to 100%      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one  
Year two  
Year three 4  
Year four 5 40  
Year five 31 17  
Prior 30 22  
Revolving Loans 1,098 1,116  
Revolving Loans Converted to Term 1,619 1,743  
Total loans, net 2,783 2,942  
Home equity | Less than 80%      
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]      
Year one  
Year two  
Year three 157  
Year four 141 1,866  
Year five 1,670 845  
Prior 2,807 2,556  
Revolving Loans 6,907 6,843  
Revolving Loans Converted to Term 10,913 10,293  
Total loans, net $ 22,438 $ 22,560  
[1] Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.8 billion, Loans of $1.2 billion and Other assets of $0.1 billion at December 31, 2024. Comparable amounts at December 31, 2023 were $0.7 billion, $1.2 billion and $0.1 billion, respectively.