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HFA voluntary prepayment ratios to generic counterparts were mostly flat to slightly lower in January. New prod Tier3 ratio in 2.5s remains above 100 for the UT program, but AZ program ratios have declined across the coupon stack. These ratios for new production Tier 1 remain in the single digits to teens percent, and Tier 2 in the single digits to 40 percent. Tier 3 ratios range from 55 to 130 percent in aggregate depending on the coupon.