The following table presents the distribution of Regions' loan portfolio by segment and class, net of unearned income as of December 31:


	2021		2020
	(In millions)
Commercial and industrial	$	43,758	$	42,870
Commercial real estate mortgage—owner-occupied	5,287		5,405
Commercial real estate construction—owner-occupied	264		300
Total commercial	49,309		48,575
Commercial investor real estate mortgage	5,441		5,394
Commercial investor real estate construction	1,586		1,869
Total investor real estate	7,027		7,263
Residential first mortgage	17,512		16,575
Home equity lines	3,744		4,539
Home equity loans	2,510		2,713
Consumer credit card	1,184		1,213
Other consumer—exit portfolio (1)	1,071		2,035
Other consumer	5,427		2,353
Total consumer	31,448		29,428
Total loans, net of unearned income (2)	$	87,784	$	85,266

(1)Regions ceased originating indirect vehicle lending in the second quarter of 2019 and decided not to renew a third party relationship in the fourth quarter of 2019.

(2)Loans are presented net of unearned income, unamortized discounts and premiums and deferred loan fees and costs of $630 million and $678 million at December 31, 2021 and 2020, respectively.

During 2021 and 2020, Regions purchased approximately $1.3 billion and $1.6 billion in other consumer, residential first mortgage and commercial and industrial loans from third parties, respectively. Purchases do not include loans obtained from acquisitions of businesses.

At December 31, 2021, $19.7 billion in net eligible loans held by Regions were pledged to secure current and potential borrowings from the FHLB. At December 31, 2021, an additional $17.5 billion in net eligible loans held by Regions were pledged to the FRB for potential borrowings.

See Note 13 for details regarding Regions’ investment in sales-type, direct financing, and leveraged leases included within the commercial and industrial loan portfolio.