Please explain the answer, I am confused

A borrower obtained a loan secured by real property for $200,000. The borrower paid four discount points when the loan was originated. The borrower made monthly payments of $1,630 per month, including 8% interest. When the borrower sold the property after five years, the bank imposed a prepayment penalty of 2% of the face amount. The average loan balance during those five years was $185,000. What amount did the lender make on the loan over that five-year period? A borrower obtained a loan secured by real property for $200,000. The borrower paid four discount points when the loan was originated. The borrower made monthly payments of $1,630 per month, including 8% interest. When the borrower sold the property after five years, the bank imposed a prepayment penalty of 2% of the face amount. The average loan balance during those five years was $185,000. What amount did the lender make on the loan over that five-year period