Lavern just turned 40 years old, so her credit score rose from 555 to 623 . According to the following table for a $\$ 150,000$ mortgage, how much less per year would Lavern have to pay on a $\$ 150,000$ mortgage with the new credit score?
\begin{tabular}{|l|l|l|}
\hline \begin{tabular}{l}
FICO \\
Score
\end{tabular} & \begin{tabular}{l}
Interest \\
Rate
\end{tabular} & \begin{tabular}{l}
Monthly \\
Payment
\end{tabular} \\
\hline $720-850$ & $5.59 \%$ & $\$ 860$ \\
\hline $700-719$ & $5.71 \%$ & $\$ 872$ \\
\hline $675-699$ & $6.25 \%$ & $\$ 924$ \\
\hline $620-674$ & $7.40 \%$ & $\$ 1039$ \\
\hline $560-619$ & $8.53 \%$ & $\$ 1157$ \\
\hline $500-559$ & $9.29 \%$ & $\$ 1238$ \\
\hline
\end{tabular}
A. $\$ 199$
B. $\$ 1039$
C. $\$ 1238$
D. $\$ 2388$