After you sure that isn't because your skin is moist where sunblock was recently applied, and therefore cooler?
(Edited, fixed)
https://care360.basf.com/emea/en/industries/personal-care/co...
Mineral - Reflects
Chemical - Absorbs
https://cen.acs.org/business/consumer-products/What-in-sunsc...
Black means absorbed, of course.