25. What is the effective yield to the lender through the date of prepayment on a $383,000 fixed rate mortgage loan fully amortized over 30 years but paid off after 10 years if the stated annual interest rate is 3.50%, the lender charges 1.5% as an origination fee, $360 for an appraisal and $15 for a credit report and there is no prepayment penalty?

a. 3.39%

b. 3.63%

c. 3.71%

d. 3.50%