FHA Prepayment Experience Love Machine 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 SpeedZero Prepayment AssumptionGEMs (Growing-Equity Mortgages)Mortgage Banker