What is the effective yield to the lender on a $1,440,000 fixed rate loan that is fully amortizing over 20 years with equal monthly payments if the stated annual interest rate in the loan agreement is 3.25% and if the lender charges 1.5% as an origination fee, $144 for a credit report and $1,540 for an appraisal fee? \begin{tabular}{l} \hline 3.07% \\ \hline 3.43% \\ \hline 3.25% \\ \hline 3.38% \end{tabular}