Jason Bradley$$s uncle, Maurice, is buying a $$248,500$ home in Mississippi. His mortgage lender requires a $20\%$ down payment and will finance the remainder for $30$ years at $5\%.$ Closing costs will be $1\%$ origination fee, $1$ point, mortgage insurance premium of $$2,400.$ Other loan costs will include a pest inspection fee of $$175,$ appraisal fee of $$295,$ credit report fee of $$80,$ title insurance premium of $$320,$ and recording fees of $$65.$ There will also be money collected for the escrow account in the amount of $$875.$ What is the reportable APR? Round to the nearest hundredth percent