Question: Which mortgage loan will have the bigger difference between the APR and the stated loan interest rate? Each are $300,000, 30-year, fixed rate, no discount

Which mortgage loan will have the bigger difference between the APR and the stated loan interest rate? Each are $300,000, 30-year, fixed rate, no discount points, same loan origination fees. FHA, 5% down payment Conforming, 20% down payment
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