Why am I being denied a auto loan

Why am I being denied a auto loan Credit score 744. I have a mortgage, a couple of credit cards with no rollover debt, I've had a few small $$ unsecured loans that I've paid off. I had an auto loan for 22k with a cosigner, the car got totaled(not at fault) after 6 months and the insurance paid off the loan. Income 75k. Why am I being denied an auto loan by multiple credit unions...

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