I have good credit score 75O Equifax/Fico and am choosing a loan with NO origination fee points. Why is my rate still so high at 4?

I research the average rates going nowadays and it is around 3 point 7 With my great credit score, they still just can only give me a 30 yr FIXED rate at 4 Does this have to do with not paying points or are the Lenders who I have chosen just trying to get the most out of me
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