文件表明最优级贷款的标准是，借款人的平均信用评分达到约700分。
It would show that the average credit score of their borrowers is around 700, the standard for prime-rated loans.
问题源自信贷市场，并首先反映在次优级贷款抵押的范围已经扩散到了我们的整个金融体系。
Problems that originated in the credit markets and first showed up in the area of subprime mortgages have spread throughout our financial system.
超额优级贷款和质量不错的贷款有可能最先重返新兴市场，其价格超过了房利美和房地美能够购买的价格起点。
"Jumbo prime" mortgages, decent-quality loans above the price threshold that Fannie Mae and Freddie Mac can buy at, are likely to be the first part of the new-origination market to come back.
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