When there are "massive incentives" that apply to every buyer, the sticker price becomes meaningless. The lender figures the street price to be the value of the car-- so your loan to value may not be as good as you think it is.
The can't disclose a bank fee as a line item, or even admit that there is a bank fee. All they can do is raise the price of the car, but not come out and tell you why. So this is a delicate situation that ends up falling on the last guy to deal with you.
Like Marv said if you want to continue with this dealer it sounds like the only way you're going to see the actual numbers is to have them write up the final deal. Of course you don't have to sign it.
Waiting until your score is higher would certainly enable a better deal.