STI 2018 Annual Report

Notes to Consolidated Financial Statements, continued 108 process, and refreshed FICOscores are obtained by theCompany at least quarterly. For guaranteed loans, the Company monitors the credit quality based primarily on delinquency status, as it is a more relevant indicator of credit quality due to the government guarantee. At December 31, 2018 and 2017, 27% and 28%, respectively, of guaranteed residential mortgages were current with respect to payments. At December 31, 2018 and 2017, 72% and 75%, respectively, of guaranteed student loans were current with respect to payments. The Company's loss exposure on guaranteed residential mortgages and student loans is mitigated by the government guarantee. LHFI by credit quality indicator are presented in the following tables: Commercial Loans C&I CRE Commercial Construction (Dollars in millions) December 31, 2018 December 31, 2017 December 31, 2018 December 31, 2017 December 31, 2018 December 31, 2017 Risk rating: Pass $69,095 $64,546 $7,165 $5,126 $2,459 $3,770 Criticized accruing 1,885 1,595 98 167 79 33 Criticized nonaccruing 157 215 2 24 — 1 Total $71,137 $66,356 $7,265 $5,317 $2,538 $3,804 Consumer Loans 1 Residential Mortgages - Nonguaranteed Residential Home Equity Products Residential Construction (Dollars in millions) December 31, 2018 December 31, 2017 December 31, 2018 December 31, 2017 December 31, 2018 December 31, 2017 Current FICO score range: 700 and above $25,764 $23,602 $8,060 $8,946 $151 $240 620 - 699 2,367 2,721 1,015 1,242 27 50 Below 620 2 705 813 393 438 6 8 Total $28,836 $27,136 $9,468 $10,626 $184 $298 Other Direct Indirect Credit Cards (Dollars in millions) December 31, 2018 December 31, 2017 December 31, 2018 December 31, 2017 December 31, 2018 December 31, 2017 Current FICO score range: 700 and above $9,642 $7,929 $9,315 $9,094 $1,142 $1,088 620 - 699 935 757 2,395 2,344 420 395 Below 620 2 38 43 709 702 127 99 Total $10,615 $8,729 $12,419 $12,140 $1,689 $1,582 1 Excludes $7.2 billion and $6.6 billion of guaranteed student loans and $459 million and $560 million of guaranteed residential mortgages at December 31, 2018 and 2017, respectively, for which there was nominal risk of principal loss due to the government guarantee. 2 For substantially all loans with refreshed FICO scores below 620, the borrower’s FICO score at the time of origination exceeded 620 but has since deteriorated as the loan has seasoned.