What is the real APR for that loan?

Input Information
Loan Information
Home Value : ($)
Interest Rate : (%)
Length : (Yrs)
Down Payment :
Additional Information
Points : (%)
Origination Fees : (%)
Closing Cost : ($)
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Financial Analysis
Down Payment : $50,000.00
Amount Financed : $450,000.00
Monthly Principal and Interest : $2,347.41
Points Value : $4,500.00
Origination Fees $0.00
Total Closing Cost $5,700.00
Actual APR 4.861%
DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.
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