FHA Prepayment Experience Daniel Guidotti 14 years ago FHA Prepayment ExperienceOutstanding loans at the anniversary of origination within a mortgage pool. It is calculated as a percentage based on yearly survival rates for mortgages insured by FHA, gleaned from historical data.Recommended for you:Prepayment Speed Zero Prepayment Assumption GEMs (Growing-Equity Mortgages) Mortgage Banker