re: Did I just get a free truck?

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Nor do I believe you have an 800 credit score.

Why bother financing at the dealership in the first place if you're such a regular at this bank?

No, you didn't just get a free truck you cannot afford.

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I honestly don't care if you believe me or not. However, I will answer your question since you don't know how the system works.

When you buy a vehicle, they often have incentives for using dealer financing. It this case, there was a significant rebate they offered for using dealer financing.
I will always take advantage of these rebates to get the OTD price as low as I can. Once the deal is done, I immediately go to my credit union and bank to see if I can get a better interest rate, which I always do.

So I got the best price on the truck that I could along with the best interest rate available to me. I've come out better by doing this on quite a few occasions.

If you had a good credit score and a relationship with a bank, you'd already know this.