George is looking for a fully amortizing $30$ year Fixed Rate Mortgage with monthly payments for $$4,500.$ He takes a $30$ year fixed rate mortgage with $2.13\%$ interest rate and no fees. Assuming George repays the mortoage after $5$ years, what is his annualized IRR on the loan? Write your answer as a percent rounded to two decimal points without the $\%$ sign $($e$.$g$.$ if you get $5\mathrm{.}6499\%,$ write $5\mathrm{.}65).$