I received a notification of an inquiry hit under ...

I received a notification of an inquiry hit under my Transunion credit report, and minutes later received an approval email from these guys for a mobile home that I applied....but pleaseee...would someone please explain to me how in the world did i get approved with a 6.75% interest rate for a 20 yr term when mortgage rates are currently sitting at around 3.2% to this day for the same term, when my FICO Transunion credit score is currently at 796 (most likely a bit less now that they did a hard pull), with 14 years of credit history, no collections, no late payments, no high credit card utilization (15%), decent amount of inquiry hits, and perfect standing on all my 21 accounts, yet they double their interest percentage as if they think it was so easy to get an excellent credit score.....on top of that, with an insurance amount of $135 per month....thats about 2.5% which should be rated between 0.4-1.86% in the state of Texas....that explains how much of a thieves these guys really are. I only applied here because the mobile home that I was interested in, stated that they have their homes financed by this bank and if I applied here, I will most like get approved, but honestly I feel sorry for the people that they take advantage off, for those that are desperately and eager to get their own place. Not me though, I know how much I m valued at but I ll pass. Thanks a lot for the 3-5 points that cost me to apply here...