Denied a mortgage loan by Quicken Loans for excessive debt

[Sean Thomas]

Recently I was denied a mortgage loan by Quicken Loans for excessive debt. I was looking to purchase an investment property. Here is some background. I have 644 credit score, 125K salary, have 30k for down payment. My debts are 69k student loan, 12k car loan which I plan to use my bonus to pay off this year. I have 3k credit card debt which I plan to payoff with same bonus. I have $1400 state tax lien on credit report, that has been paid off and I have the documents to prove this is paid. My wife and I have a house, she is on the mortgage and we are both on the title. The investment property was 79K, also I had a late payment on student loan 22 months ago. No late payments of any other kind on credit report.

Was I trying to get a mortgage with the wrong lender?

Will paying off my credit card and car loan get me to appropriate debt to income ratio?

Any help is appreciated

Thanks