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A botanist secures a 30-year mortgage for $513,000 at an annual interest rate of 4.175% with 1.4 points. The loan origination fee is 0.65 points

A botanist secures a 30-year mortgage for $513,000 at an annual interest rate of 4.175% with 1.4 points. The loan origination fee is 0.65 points of the loan amount. Calculate the APR (in percent) for the loan. (Round your answer to the nearest thousandth of a percent.)

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