Refinancing at 2.5% is the closest I have ever been to winning the lottery. I can't imagine trying to buy a house or finance a car right now, especially with dealers charging crazy ADMs. Something is going to have to give.
Although, I hope you have a good reason to think you are better at predicting probabilities of default than professional lenders with teams who do it day in and day out.
For example, a professional lender is likely to face greater scrutiny under the Civil Rights Act.
In the context of the last four years it is not. It is "merely" good.
I do not consider the last four years to be the foundation on which to start building assumptions.
Even in the context of the last four years, for auto loans 4.09% is only above average for about six of the last 48 months (Sept 2021 - Feb 2022).