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Loans and Leases (Tables)
 3 Months Ended
Mar. 31, 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 March 31, 2021 and December 31, 2020, excluding accrued interest of $182 million and $180 million, respectively, which is included in Other assets in the Consolidated Balance Sheets.
(Dollars in millions)March 31, 2021December 31, 2020
Commercial:
Commercial and industrial (a) (b)$28,421 $27,700 
Loans to mortgage companies5,530 5,404 
   Total commercial, financial, and industrial 33,951 33,104 
Commercial real estate12,470 12,275 
Consumer:
HELOC2,270 2,420 
Real estate installment loans8,783 9,305 
   Total consumer real estate11,053 11,725 
Credit card and other1,126 1,128 
Loans and leases$58,600 $58,232 
Allowance for loan and lease losses(914)(963)
Net loans and leases$57,686 $57,269 
(a)Includes equipment financing leases of $614 million and $587 million, respectively, as of March 31, 2021 and December 31, 2020.
(b)Includes PPP loans fully guaranteed by the SBA of $5.1 billion and $4.1 billion as of March 31, 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 March 31, 2021 and December 31, 2020:
March 31, 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)$2,368 $7,915 $4,572 $2,174 $1,600 $3,038 $5,530 $5,535 $14 $32,746 
Special Mention (PD grade 13)5 68 65 51 28 81 — 189 7 494 
Substandard, Doubtful, or Loss (PD grades 14,15, and 16)35 148 80 124 35 94 — 148 47 711 
Total C&I loans$2,408 $8,131 $4,717 $2,349 $1,663 $3,213 $5,530 $5,872 $68 $33,951 
(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.

March 31, 2021
CRE
(Dollars in millions)20212020201920182017Prior to 2017Revolving
 Loans		Revolving
Loans converted
to term loans		Total
Credit Quality Indicator:
Pass (PD grades 1 through 12) $514 $2,346 $3,350 $1,612 $1,024 $2,652 $320 $— $11,818 
Special Mention (PD grade 13)— 74 38 178 77 109 — — 476 
Substandard, Doubtful, or Loss (PD grades 14,15, and 16)— 18 12 21 43 57 25 — 176 
Total CRE loans$514 $2,438 $3,400 $1,811 $1,144 $2,818 $345 $— $12,470 

December 31, 2020
CRE
(Dollars in millions)20202019201820172016Prior to 2016Revolving
 Loans		Revolving
Loans converted
to term loans		Total
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 March 31, 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.
March 31, 2021
 Consumer Real Estate
(Dollars in millions)20212020201920182017Prior to 2017Revolving
 Loans		Revolving
Loans converted
to term loans (a)		Total
FICO score 740 or greater$131 $1,195 $1,060 $613 $529 $2,230 $1,200 $150 $7,108 
FICO score 720-7398 163 142 91 69 249 179 27 928 
FICO score 700-71915 129 103 75 72 267 173 31 865 
FICO score 660-69913 121 120 115 69 329 238 53 1,058 
FICO score 620-6591 40 57 31 21 134 83 35 402 
FICO score less than 620 108 58 32 41 50 302 56 45 692 
Total$276 $1,706 $1,514 $966 $810 $3,511 $1,929 $341 $11,053 
(a) $11 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 March 31, 2021 and December 31, 2020.
March 31, 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$13 $51 $43 $53 $32 $119 $279 $6 $596 
FICO score 720-7392 8 7 6 7 30 36 2 98 
FICO score 700-7193 8 7 8 6 38 35 2 107 
FICO score 660-6992 29 10 14 8 52 41 3 159 
FICO score 620-6591 4 4 6 4 31 19 1 70 
FICO score less than 620 11 9 6 7 10 30 21 2 96 
Total$32 $109 $77 $94 $67 $300 $431 $16 $1,126 
(a) $2 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 March 31, 2021 and December 31, 2020:
March 31, 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
Commercial, financial, and industrial:
C&I (a) (b)$28,251 $26 $— $28,277 $102 $7 $35 $144 $28,421 
Loans to mortgage companies5,530 — — 5,530 — — — — 5,530 
Total commercial, financial, and industrial33,781 26 — 33,807 102 7 35 144 33,951 
Commercial real estate:
CRE 12,392 11 — 12,403 20 3 44 67 12,470 
Consumer real estate:
HELOC2,198 6 9 2,213 43 2 12 57 2,270 
Real estate installment loans8,623 33 4 8,660 72 8 43 123 8,783 
Total consumer real estate10,821 39 13 10,873 115 10 55 180 11,053 
Credit card and other:
Credit card273 2 — 275 — — — — 275 
Other845 3 — 848 1 1 1 3 851 
Total credit card and other1,118 5 — 1,123 1 1 1 3 1,126 
Total loans and leases$58,112 $81 $13 $58,206 $238 $21 $135 $394 $58,600 

(a) $100 million of C&I loans are nonaccrual loans that have been specifically reviewed for impairment with no related allowance.
(b) C&I loans include TRUPS loans of $210 million, which is net of an amortizing discount of $18 million.

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) (b)$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.
(b) C&I loans include TRUPs loans of $210 million, which is net of an amortizing discount of $18 million.
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 March 31, 2021Three Months Ended March 31, 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&I17 $8 $8 3 $6 $4 
Commercial real estate:
 CRE1 12 10 — — — 
Consumer real estate:
HELOC12 2 2 8 1 1 
Real estate installment loans9 2 2 10 2 2 
Total consumer real estate21 4 4 18 3 3 
Credit card and other13 — — 24 — — 
Total TDRs52 $24 $22 45 $9 $7 
Schedule Of Troubled Debt Restructurings Within The Previous 12 Months
The following tables present TDRs which re-defaulted during the three months ended March 31, 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 March 31, 2021Three Months Ended March 31, 2020
(Dollars in millions)NumberRecorded
Investment		NumberRecorded
Investment
Commercial, financial, and industrial:
C&I7 $1 — $— 
Commercial real estate:
 CRE— — — — 
Consumer real estate:
HELOC1 — 4 1 
Real estate installment loans3 2 5 — 
Total consumer real estate4 2 9 1 
Credit card and other— — 7 — 
Total TDRs11 $3 16 $1