# Utilization **Utilization Rate** measures how much of the available liquidity is actively engaged in lending. For instance, if a liquidity pool has $1 million in available funds and $700,000 is actively used, the Utilization Rate would be 70%. In this case, pool utilization is calculated by dividing total borrow balance and total deposit balance of the Pool: utilization = pool\_borrow\_balance / pool\_deposit\_balance; Utilization is driving the borrow rate, so the bigger it is, bigger will the rates be. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://srwa.gitbook.io/srwa-docs/core-calculations/utilization.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.