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LOANS AND LEASES (Tables) | 9 Months Ended
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Sep. 30, 2019
Receivables [Abstract] |
Schedule of loans and leases | The Company’s loans and leases are disclosed in portfolio segments and classes as reflected below.
(in millions) | September 30, 2019 |  | December 31, 2018
Commercial(1) |  | $41,356 |  |  |  | $40,857 |
Commercial real estate | 12,820 |  |  | 13,023 |
Leases | 2,557 |  |  | 2,903 |
Total commercial loans and leases | 56,733 |  |  | 56,783 |
Residential mortgages | 19,699 |  |  | 18,978 |
Home equity loans | 876 |  |  | 1,073 |
Home equity lines of credit | 12,148 |  |  | 12,710 |
Home equity loans serviced by others | 318 |  |  | 399 |
Home equity lines of credit serviced by others | 81 |  |  | 104 |
Automobile | 12,070 |  |  | 12,106 |
Education | 9,729 |  |  | 8,900 |
Credit cards | 2,133 |  |  | 1,991 |
Other retail | 4,093 |  |  | 3,616 |
Total retail loans(2) | 61,147 |  |  | 59,877 |
Total loans and leases(3) |  | $117,880 |  |  |  | $116,660 |
(1) SBA loans we service for others of $27 million are not included above. These loans represent the government guaranteed portion of SBA loans sold to outside investors as of September 30, 2019. There were no SBA loans serviced for others as of December 31, 2018. (2) Mortgage loans we service for others of $74.6 billion and $69.6 billion at September 30, 2019 and December 31, 2018, respectively, are not included above. (3) LHFS totaling $2.0 billion and $1.3 billion at September 30, 2019 and December 31, 2018, respectively, are not included above. The following table shows the composition of LHFS.
| September 30, 2019 |  | December 31, 2018
(in millions) | Residential Mortgages(1) | Commercial(2) | Total |  | Residential Mortgages(1) | Commercial(2) | Total
Loans held for sale at fair value |  | $1,824 |  |  | $169 |  |  | $1,993 |  |  |  | $967 |  |  | $252 |  |  | $1,219 |
Other loans held for sale | — |  | 22 |  | 22 |  |  | — |  | 101 |  | 101 |
(1) Originated for sale. (2) LHFS at fair value consist of loans managed by the Company’s commercial secondary loan desk. Other LHFS generally consist of commercial loans associated with the Company’s syndication business.
Components of net investments in direct finance leases | The components of the net investment in direct finance leases, before ALLL, are presented below:
(in millions) | September 30, 2019
Total future minimum lease rentals |  | $1,670 |
Estimated residual value of leased equipment (non-guaranteed) | 1,072 |
Initial direct costs | 10 |
Unearned income | (232 | )
Total leases |  | $2,520 |
Maturity analysis of direct financing lease receivables | A maturity analysis of direct financing lease receivables at September 30, 2019 is presented below:
(in millions) |
2019 |  | $123 |
2020 | 460 |
2021 | 343 |
2022 | 265 |
2023 | 188 |
Thereafter | 291 |
Total undiscounted future minimum lease rentals |  | $1,670 |

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- Definition Tabular disclosure of maturity of undiscounted cash flows to be received on annual basis for sales-type and direct financing leases receivable. Includes, but is not limited to, reconciliation to lease receivable recognized in statement of financial position. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 842 -SubTopic 30 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=119202524&loc=SL77919391-209981 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
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