Any Advice on Financing an RV Purchase?

I had a 2011 financed through BoW. I was ahead six months on payment and wanted to trade it in on a 2012. They wouldn't finance me so I went to my CU and financed it without heartache. I don't understand the rationale but the interest rate was under four and the finance amount was 49k. A much better rate vs. BoW on the 2011 note and better than what they were offering.

I have no real home only some property since being a full timer however a strong work history and above average income.