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Low-Rank Adaptation (LoRA) often underperforms full fine-tuning, especially in heterogeneous and continual-learning settings in which substantial forgetting occurs. In general, it suffers from an undesirable learning-forgetting trade-off across diverse fine-tuning settings. We identify a potential contributor: LoRA adapters, especially high-rank ones, frequently fail to realize the available capacity afforded by the configured rank. Specifically, we find that standard LoRA updates have effective rank far below their configured rank, limiting how broadly the update energy is distributed. Therefore, we propose training mechanisms that optimize the original objective while maximizing adapter effective rank. Our main method adds a simple, stable, differentiable, and SVD-free Rényi-2 effective-rank regularizer to the language-modeling loss. We also connect capacity maximization to norm-bounded updates. In mixed-domain rank sweeps on three models evaluated with multiple random seeds, a penalty weight of $λ=0.01$ lowers mean Wiki perplexity at every tested rank of at least $16$ relative to unpenalized LoRA. Mean training perplexity improves or increases by at most $0.02$ in all but one model-rank comparison. Single-task and scheduling experiments further show that the balance between learning and retention depends on the configuration. We also observe that several LoRA variants in the literature also suffer from the identified capacity issue, and our approach provides a complementary axis of improvement to LoRA-based parameter-efficient fine-tuning. These results suggest that effective rank is not only a post-hoc diagnostic of adapter quality, but a trainable objective for improving the learning-forgetting frontier. Our code is available at https://github.com/tomohiro-sawada/lora-capacity-utilization