A $25-$year, quarterly amortizing, fixed$-$rate mortgage loan for $300000$ has a contract interest rate of $4\mathrm{.}5\%.$ Closing costs worth $5200$ is applied. What is the APR?

Write in percentage $(2$ decimal places$)$ and no percentage sign.

For example: if the answer is $1\mathrm{.}3255\%$ then write down $1\mathrm{.}33$