Wells Fargo 2014 Annual Report Download - page 180
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Note 6: Loans and Allowance for Credit Losses (continued)
The following table provides FICO scores for consumer PCI loans.
December 31, 2014 December 31, 2013
Real
Real estate 1-4 Real estate Real estate
(in millions)
estate 1-4
family first
mortgage
family
junior lien
mortgage Total
1-4 family
first
mortgage
1-4 family
junior lien
mortgage Total
By FICO:
< 600 $ 7,708 75 7,783 9,933 101 10,034
600-639 5,416 53 5,469 6,029 60 6,089
640-679 6,718 69 6,787 6,789 70 6,859
680-719 4,008 39 4,047 3,732 35 3,767
720-759 1,728 13 1,741 1,662 11 1,673
760-799 875 6 881 865 5 870
800+ 220 1 221 198 1 199
No FICO available 97 10 107 118 1 119
Total consumer PCI loans (adjusted unpaid principal
balance) $ 26,770 266 27,036 29,326 284 29,610
Total consumer PCI loans (carrying value) $ 21,712 101 21,813 24,100 123 24,223
The following table shows the distribution of consumer PCI
loans by LTV for real estate 1-4 family first mortgages and by
CLTV for real estate 1-4 family junior lien mortgages.
December 31, 2014 December 31, 2013
Real
Real estate 1-4 Real estate Real estate
estate 1-4 family 1-4 family 1-4 family
family first junior lien first junior lien
mortgage mortgage mortgage mortgage
(in millions) by LTV by CLTV Total by LTV by CLTV Total
By LTV/CLTV:
0-60% $ 4,309 34 4,343 2,501 32 2,533
60.01-80% 11,264 71 11,335 8,541 42 8,583
80.01-100% 7,751 92 7,843 10,366 88 10,454
100.01-120% (1) 2,437 44 2,481 4,677 67 4,744
> 120% (1) 1,000 24 1,024 3,232 54 3,286
No LTV/CLTV available 9 1 10 9 1
Total consumer PCI loans (adjusted unpaid principal
balance) $ 26,770 266 27,036 29,326 284 29,610
Total consumer PCI loans (carrying value) $ 21,712 101 21,813 24,100 123 24,223
(1) Reflects total loan balances with LTV/CLTV amounts in excess of 100%. In the event of default, the loss content would generally be limited to only the amount in excess of
100% LTV/CLTV.
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