'M' is Megabytes. 'm' is megaBITS (8x Megabiytes) you seem to be mixing them, and using the correct letter will help. 36.5M implies "36.5 Mega Bytes Per Second" which is 292 mbps (Mega BITS per second)
Mobile carriers are notorious about not labeling their max connection rate via wifi. Most use a 2x2 if it's AC. 400mbps is pretty common on a lot of phones. But try installing Fing or WiFiAnalyzer (open-source) by VREM Software Development onto your phone. It will tell you how many people are sharing a channel. Usually 5Ghz is faster, but not always (depending on distance from Router) Also analyze your signal strength. It slows down with distance.
If you have a lot of people on your channel you can go in one of the zones used by Radar. But only do this is you aren't near any radar installations or you may get a knock by the FCC. It's legally allowed provided you aren't interfering with a part of the spectrum that's licensed in your area. Another warning is some client devices will refuse to connect to these channels. (ie: Roku)
A lot of carrier supplied routers w/wifi are "the suckage." They are unreliable and slow with a short range.
That said wifi is hugely inefficient, especially if you are sharing the spectrum with your neighbor. If you are getting 292 mbps over 2x2 wifi, that's not too bad. (Most default to 40Mhz which is 1 channel bonding)
1x1 40 MHz | 200 Mbps | 1 TX (Transmit, Upload)
1 RX (Receive, Download) |
2x2 40 MHz | 400 Mbps | 2 TX
2 RX |
1x1 80 MHz | 433 Mbps | 1 TX
1 RX |
2x2 80 MHz | 866 Mbps | 2 TX
2 RX |
1x1 160 MHz | 866 Mbps | 1 TX
1 RX |
2x2 160 MHz | 1.73 Gbps | 2 TX
2 RX |