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LOANS AND LEASES (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Schedule of loans and leases | The following table presents the composition of loans and leases:
| December 31,
(in millions) | 2019 |  |  | 2018 |
Commercial(1) |  | $41,479 |  |  |  | $40,857 |
Commercial real estate | 13,522 |  |  | 13,023 |
Leases | 2,537 |  |  | 2,903 |
Total commercial loans and leases | 57,538 |  |  | 56,783 |
Residential mortgages(2) | 19,083 |  |  | 18,978 |
Home equity loans | 812 |  |  | 1,073 |
Home equity lines of credit | 11,979 |  |  | 12,710 |
Home equity loans serviced by others | 289 |  |  | 399 |
Home equity lines of credit serviced by others | 74 |  |  | 104 |
Automobile | 12,120 |  |  | 12,106 |
Education | 10,347 |  |  | 8,900 |
Credit cards | 2,198 |  |  | 1,991 |
Other retail | 4,648 |  |  | 3,616 |
Total retail loans | 61,550 |  |  | 59,877 |
Total loans and leases (3) |  | $119,088 |  |  |  | $116,660 |
(1) SBA loans the Company services for others of $33 million are not included above. These loans represent the government guaranteed portion of SBA loans sold to outside investors as of December 31, 2019. There were no SBA loans serviced for others as of December 31, 2018. (2) Mortgage loans the Company services for others of $77.5 billion and $69.6 billion at December 31, 2019 and 2018, respectively, are not included above. (3) LHFS totaling $3.3 billion and $1.3 billion at December 31, 2019 and 2018, respectively, are not included above. The following table presents the composition of LHFS.
| December 31, 2019 |  | December 31, 2018
(in millions) | Residential Mortgages | Commercial | Total |  | Residential Mortgages | Commercial | Total
Loans held for sale at fair value(1) |  | $1,778 |  |  | $168 |  |  | $1,946 |  |  |  | $967 |  |  | $252 |  |  | $1,219 |
Other loans held for sale(2) | 1,101 |  | 283 |  | 1,384 |  |  | — |  | 101 |  | 101 |
(1) Residential mortgage LHFS at fair value are originated for sale. Commercial LHFS at fair value consist of loans managed by the Company’s commercial secondary loan desk. (2) Residential mortgages other LHFS of $1.1 billion as of December 31, 2019 comprised of two loan portfolio pools of $524 million and $575 million representing loan sales expected to settle in first quarter 2020. Commercial other LHFS generally consist of commercial loans associated with the Company’s syndication business.
Schedule of investment in leases, before the ALLL | The components of the net investment in direct finance and sales-type leases, before ALLL, are presented below:
(in millions) | December 31, 2019
Total future minimum lease rentals |  | $1,739 |
Estimated residual value of leased equipment (non-guaranteed) | 1,013 |
Initial direct costs | 10 |
Unearned income | (225 | )
Total leases |  | $2,537 |
Maturity analysis of direct financing lease receivables | A maturity analysis of direct financing and sales-type lease receivables at December 31, 2019 is presented below:
(in millions) |
2020 |  | $496 |
2021 | 385 |
2022 | 288 |
2023 | 220 |
2024 | 145 |
Thereafter | 205 |
Total undiscounted future minimum lease rentals |  | $1,739 |

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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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