A branch manager working for the Citywide Bank Corporation instructed a loan officer to record the FICO credit scores for a sample of its clients who applied for a home mortgage during the last month. The following data were collected.

782, 771, 835, 756, 804, 624, 765, 756, 590, 810, 692, 799, 795, 746, 772, 675, 735, 558, 758, 842, 691, 633, 736, 714, 663, 753, 755, 830, 685, 473, 814, 771, 704, 622, 729, 700, 758, 768, 750, 797, 708, 711, 742, 707, 679, 819, 790, 745, 623, 783, 723, 825, 684

Find the 20th percentile for this data and interpret the result.