Today, a mortgagor has secured a $25-$year $($monthly payments$),$ $$1,840,000$ loan at $5\%$ with four mortgage discount points and a prepayment penalty of $3\%$ of the outstanding loan balance. Eighteen years later, the mortgagor pays off the loan $($due to the sale of the property to an investor$).$

What is the Lender's Effective Yield $($LEY$)$ on this loan scenario? $($type answer as a percent without the $\%$ and to two decimal places$)$