Suppose that a lender originates a loan for $380,000 at 4.5% for 30 years. This is a fixed rate loan that is fully amortizing with constant monthly payments. The lender charged $2,500 to the borrower in origination fees due at closing. Under the assumption that the borrower pays back the loan at the end of 5 years, computer lender's yield. Report lender's yield as a percent in the numerical box below. E.g. if lender's yield = 12.82% enter 12.82. Round your answer to 2 decimal places.