Question-and-Answer Session
Operator
These lines are now open.
Mick Blodnick
Operator, is there a technical difficulty or --
Operator
All of these lines are open. It just looks like nobody is speaking right now.
Chris Stulpin - D.A. Davidson
Hello?
Mick Blodnick
Hello?
Chris Stulpin - D.A. Davidson
Mick?
Mick Blodnick
Yes.
Unidentified Company Representative
Is there a queue or?
Chris Stulpin - D.A. Davidson
Yeah, exactly. I have an open mic here. Mick, this is Chris Stulpin, D.A. Davidson. May I ask you a question?
Mick Blodnick
You bet, Chris.
Chris Stulpin - D.A. Davidson
Okay, thank you. What are you seeing happening in your home equity line of credit portfolio, anything developing there? Can you also get a little more specific with some of the markets that Glacier operates in, please?
Mick Blodnick
I think from a home equity perspective and I will let Barry chime in here too, but we, as we do all the time, we are constantly pooling all the banks and obviously we are checking the numbers ourselves. But just recently, we wanted to just see specifically from those lenders what was taking place in our HELOC portfolio. And I think there is two trends that we see.
So far, fortunately, they haven't seen a lot of increase in delinquencies in the portfolio. But I believe that, as you look across the 10 banks, they are seeing that, where, the HELOCs that have already been out there for some time, there are being more and more dollars advanced on those HELOCs. So I think the entire HELOC portfolio has seen some increase. And Barry, I will let you put in some specifics.
Barry Johnston
Chris, our secured one-to-four revolving and that's primarily our home equity line of credit product, increased $36 million quarter-over-quarter from $322 million to $358 million. And just informally soliciting the information from the banks, a combination of increased usage of some of our larger banks, increased from the 58% to 62%, 63% range, and then it was also a combination of increased production.
Generally, with the reduction a lot of our home equity lines of credit are tied to prime plus a small margin, and given the low rates, we would anticipate that we may see some usage there as that's more advantageous than some of the other consumer products out there.
Also, as Mick mentioned, we generally do see some kind of seasonality in our lines. Our borrowers or consumers are buying boats, cars, whatever, and a lot of them avail themselves to use a home equity line of credit at that time. So, it's up $36 million quarter-to-date, and it's up $42 million year-to-date.
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