As the boom reached fever pitch, however, the quality of the loans being pooled into securities dived, especially in mortgages.

然而，由于证券化市场的繁荣达到了狂热的地步，流入市场的贷款(尤其是住房抵押贷款)质量下降。

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Complicating matters, investors in complex mortgage-linked securities, who make money based on interest payments, could still balk, especially those who hold second mortgages or home equity loans.

令事情变得复杂的是，复杂的抵押贷款挂钩证券的投资者，那些靠支付利息赚钱的人，可能还在犹豫，尤其是那些持有第二抵押贷款或房屋净值贷款的投资者。

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But demand for loans from consumers is weak, especially in areas such as credit CARDS and mortgages, although Banks hope that these will soon start to rebound.

但是，消费者有违于银行的希望，对于信用卡贷款、抵押贷款的需求持续疲软，尚无反弹迹象。

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It has opened a for-profit bank mortgage office to write loans and expand the availability of credit, especially for mortgages in affordable housing developments.

WSJ: Banking on New Role

In no year has the discount for a 15-year mortgage exceeded an average of 0.66 percent, so 15-year mortgages are in especially rare territory right now.

FORBES: How Low Are Current Mortgage Rates? 3 Convincing Answers

But demand for loans from consumers is weak, especially in areas such as credit cards and mortgages, although banks hope that these will soon start to rebound.

ECONOMIST: American banks