How does an unsecured line of credit effect a new loan.

[Scott Mac]

Re the DTI or any other metric lenders typically use.

For instance:

-- Loan applicant A has an unused unsecured line of credit for (example) $10,000.

-- Loan applicant B has an unsecured line of credit also for $10,000, but owes $10,000 on it.

Applicant B seems obvious, but what about applicant A (???)

Does the portion that is unused make the potential borrower look better due to being able to touch cash when needed), or worse to the lender?

I've never seen it classed as a cash equivalent?

(Note: I am not looking for an unsecured loan, I am just curious about it's effect on the lending decision.)