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You're likely having difficulty with a smooth refi at the lowest rate due to your credit score of 675. That's essentially Tier 2 credit. DTI may also be a factor working against you.
As others have mentioned, your best bet is to try a credit union. Try PenFed, Navy Federal (if you're eligible) and Alliant. Worst case scenario pay off the loan with a lump sum or accelerate your payments to retire the debt as soon as possible.
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