i meant to put Statistics not accounting

A mortgage broker is offering home mortgages at a rate of 9.5% but is fearful that this value is higher than many others are charging. A sample of 40 mortgages filed in the county court house shows an average of 9.25% with a standard deviation of 8.61\%. Does this sample indicate a smaller average? Use =0.05 and assume a normally distributed population. Yes, the test statistic falls in the rejection region. No, the test statistic falls in the acceptance region. Yes, because the test statistic is greater than -1.645 . No, because the test statistic is -1.85 and falls in the rejection region. Yes, because the sample mean of 9.25 is below 9.5