According to ValuePenguin, the current 30-year mortgage rate is now less than 5%. A sample of eight small banks in the Midwest revealed the following rates (in percent): 3.6 4.1 5.3 3.6 4.9 4.6 5.0 4.4 At the 0.01 significance level, can we conclude that the home equity loan rate for small banks is less than 5%