Core Insights - Homeowners have withdrawn the most in home equity in three years, driven by lower Home Equity Line of Credit (HELOC) rates which have encouraged more borrowing for debt consolidation [1] Group 1: Home Equity Trends - The amount of home equity withdrawn by homeowners reached its highest level in three years, indicating a significant trend in borrowing behavior [1] - Lower HELOC rates have played a crucial role in this increase, making it more attractive for homeowners to access their home equity [1] Group 2: Borrowing Behavior - The primary reason for the increased borrowing is debt consolidation, suggesting that homeowners are leveraging their home equity to manage existing debts more effectively [1]