If national average is 4.73% for 30yr fixed mortgage, how come I can't get it?

Flawless credit in Minneapolis. Good job security and never missed a rent/car payment. Looking to buy a $130,000 home with 20% down. Every bank I go to (Wells Fargo, US Bank, TCF, Citi) all offer me 5.8-6.0%. Do they think I'm stupid or something? All my colleagues have under 5% on 30 year fixed.