Company: WFC-PC
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0000072971-25-000253
Chunk: 132

Company: WELLS FARGO & COMPANY/MN
Filing Date: 2025-10-31
Form: 10-Q
Item: Item 5
Chunk 132
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-U.S. Commercial Loans Outstanding(in millions)Sep 30,2025Dec 31,2024Commercial and industrial$70,324 62,038 Commercial real estate4,933 5,123 Lease financing500 598 Total non-U.S. commercial loans$75,757 67,759 Loan Purchases, Sales, and TransfersTable 5.3 presents the proceeds paid or received for purchases and sales of loans and transfers from loans held for investment to mortgages/loans held for sale. The table excludes loans for which we have elected the fair value option and government insured/guaranteed loans because their loan activity normally does not impact the ACL.Table 5.3:  Loan Purchases, Sales, and Transfers20252024(in millions)CommercialConsumerTotalCommercialConsumerTotalQuarter ended September 30,Purchases$389 3 392 101 1 102 Sales and net transfers (to)/from LHFS(626)(13)(639)(644)2 (642)Nine months ended September 30,Purchases$975 5 980 399 3 402 Sales and net transfers (to)/from LHFS(3,340)(1)(3,341)(1,542)(66)(1,608)

Wells Fargo & Company71

Note 5:  Loans and Related Allowance for Credit Losses (continued)

Unfunded Credit Commitments

Unfunded credit commitments are legally binding agreements to lend to customers with terms covering usage of funds, contractual interest rates, expiration dates, and any required collateral. Our commercial lending commitments include, but are not limited to, (i) commitments for working capital and general corporate purposes, (ii) financing to customers who warehouse financial assets secured by real estate, consumer, or corporate loans, (iii) financing that is expected to be syndicated or replaced with other forms of long-term financing, and (iv) commercial real estate lending. We also originate multipurpose lending commitments under which commercial customers have the option to draw on the facility in one of several forms, including the issuance of letters of credit, which reduces the unfunded commitment amounts of the facility.The maximum credit risk for these commitments will generally be lower than the contractual amount because these commitments may expire without being used or may be cancelled at the customer’s request. We may reduce or cancel lines of credit in accordance with the contracts and applicable law. Our credit risk monitoring activities include managing the amount of commitments, both to individual customers and in