My OEM has rates. But dealers can mark them up. Sometimes one point. Sometimes more. It might simply be a greedy finance manager. That’s how they get paid - by knocking the heads off of customers.
My guess is though that because repos are at a many year high and I get dealers complaining good people can’t get approved, you’re likely just a victim of a tight market.
You might ask for a re review though - they’re treating you as subprime.
Depending on the price of the car, you might consider new. Lots of aggressive rates out there that could make up some of the gap. Not sure your price point though - if it’s gently used or really used.