A bank offers $30-$year, $$250,000$ mortgages $($monthly payments$)$ at $6\mathrm{.}1$ percent and charges a $$9,000$ refundable loan application fee. The current disclosure law requires that any fees that will be refunded if the applicant is rejected be included in calculating the APR.

What is the APR that they are required to disclose?

$6\mathrm{.}100\%$

$6\mathrm{.}448\%$

$6\mathrm{.}231\%$

None of these is correct.

$6\mathrm{.}014\%$