The pandemic knocked borrowers on their backs in the spring of 2020, but as the economy regained its footing, so, too, has the willingness of consumers to borrow.

Consumer applications for auto loans, new mortgages and revolving credit cards all mostly returned to pre-pandemic levels by , according to a new report by the Consumer Financial Protection Bureau.

Skyrocketing unemployment a year ago crushed demand for credit. Who wanted to take on a big car payment when they were unsure whether they could make the old car payment? Or if they weren’t driving to work but instead setting up shop at home?

Auto loan inquiries, for example, plunged 52% by the end of . States in the Northeast and California, together with Michigan and Nevada, experienced the largest drops.

Many are vaccinated and back to borrowing

Going forward, economists say the outlook hinges on the path of the virus and vaccination efforts. The jobs picture improved after progress was made getting people vaccinated and we saw strong stimulus support programs roll out of Washington.