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The report dives into: - Prepayment rate alignment overall (Fannie and Freddie speeds remained closely aligned across most 30-year TBA cohorts) - Fastest Paying Quartile Analysis (Charts 3a3m) using three-month CPRs to surface outliers - WACCoupon Spread Dynamics (Chart 4) and how refinancing incentives shape prepayment behavior - Cohort-Level Trends (Tables 13) breaking down FICO, LTV, WALA/WAM, and vintage for nuanced prepay interpretation RiskSpan provides the calculations behind CPR assessments, WACcoupon spread metrics, and cohort segmentation in this report using publicly available data as of July 2025

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