The Unused Portion of Home Equity Lines of Credit Represents a Huge Amount of Potential Borrowing

Year	Quarter	HELOC Utilization Rate (percent)	Unused HELOC Commitments (billions of dollars)
1990	2	60.51	52.63
1991	2	60.73	58.31
1992	2	59.55	63.68
1993	2	57.74	68.64
1994	2	54.12	77.07
1995	2	53.18	85.23
1996	2	51.34	93.66
1997	2	51.58	102.82
1998	2	48.87	119.71
1999	2	45.07	133.23
2000	2	44.95	167.19
2001	2	44.08	204.21
2002	2	48.65	236.12
2003	2	50.72	287.00
2004	2	48.86	435.25
Source: FDIC