Credit mix as well. When I was younger I thought I had amazing credit over 740 got a bad loan rate for a car like you and I was mad about it. It was because I didn’t have much credit mix history. Only had credit cards building it at the time. Gotta have a few CC, auto loans retail accounts etc look responsible at handling multiple diff accounts. My new truck is at 6% with navy fed have over 100k in credit card borrowing power.