... necessarilyreflect the official positions of the Federal Reserve Bank of St. Louis, the Federal Reserve System, the Board of Governors, the Office of Comptroller of the Currency, or other officers, agencies, ... requirements in the stan-dard (prime) mortgage market have greater accessto credit in the subprime market. Two of the majorbenefits of this type of lending, then, are the increased numbers of homeowners ... by the LoanPerformance data is 35 percent of the ratereported by the MBAA. The MBAA, which doesindicate that their sample of loans is not represen-tative of the market, classifies loans as subprime based...