A mortgage with low points paid is most likely to prepay sooner rather than later because lower points mean lower up-front refinancing cost and less lock-in to the existing mortgage.

Why the others are less likely:

• Recently originated mortgage (young age): young loans usually have lower prepayment rates because of the seasoning effect.
• Low outstanding principal balance: refinancing is often less attractive when the remaining balance is small because fixed refinancing costs take up a larger share of the benefit.
• Previously refinanced, and burnout effect is significant: burnout reduces the likelihood of further prepayment, since borrowers who were most likely to refinance have often already done so.