Ann is looking for a fully amortizing $30$ year Fixed Rate Mortgage with a mortgage amount of $$4,500$ and monthly payments. She takes the mortgage with $7\mathrm{.}38\%$ interest rate that requires Ann to pay $3$ points upfront. Assuming Ann makes payments for $30$ years, what is Ann's annualized IRR? Write your answer as a percent rounded to two decimal points without the $\%$ sign $($e$.$g$.$ if you get $5\mathrm{.}6499\%,$ write $5\mathrm{.}65).$