I have a similar issue with entering HELOC info but a little different from your question. For whatever reason, I did actually get a 1098 for my HELOC interest even though the amount paid in 2022 was only $90. My question has to do with the loan origination date field. My home mortgage and HELOC are through the same lender. But the origination dates are very different (since I just secured the HELOC in 2022). I combined the interest of both 1098s in the mortgage interest box but only included the earlier loan origination date. Couldn't see any way to differentiate between the two.
