>I ask him what my credit score was, he tells me 723 Experian. I call BS on him, I subscribe to Experian and it’s 793. He says it doesn’t matter

This is the one thing that probably wasn't him playing games. You have like 50 different credit scores, some will be higher and others lower. So you could see a 793 and he see a 723 and both be telling the truth. But a 723 should get you there best rates so when they said it doesn't matter, they were also telling the truth.

Everything else is BS to get a higher interest rate loan sold and get a larger commission. Just get a loan elsewhere and watch as he magically is able to convince the bank to com in at the same rate or a hair lower.