Help! Mortgage Rates for first duplex in MN

[Josh Cook]

Hi Bigger Pockets Community, I am currently under contract to purchase my first duplex in Minneapolis, MN. I have a credit score of 795 (it was 800 but dropped after the credit inquiry) and a Fico score of 797 as of October 24th. I'm putting 5% down and getting a conventional fixed rate 30 yr loan and plan to house hack the duplex. The interest rate the lender gave me is ~4.6%. Is that rate way too high for my credit score? I thought I would get a lower rate of between 4-4.25% max. Please help!! Thanks, Josh