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NADA Value Less Than CPO List Price

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Hello Everyone-

Looking to purchase my first Tesla, it will be a CPO S60.

I went to the bank today and when they ran the NADA number the value came out to be 4K less than what Tesla is offering. I reviewed that all the options were selected appropriately and was wondering if anyone else has run into this.

Also does Tesla bargain at all with CPO's, I'm guessing not? But figured I'd ask to see if anyone else has had any luck. Is it worth mentioning to my SA?
 
Something tells me NADA might not be the best pricing outlet considering their disdain for anything and everything Tesla. I wouldn't be surprised if they were purposely deflating values to deter potential used Model S/X buyers.