High loan balance equals lower scores?

[masscredit]

Looking at info for my scores here. 

The remaining balance on your mortgage/non-mortgage installment loans is to high. 

Details that follow that are -

Your FICO® Score weighs the balances of your mortgage and non-mortgage installment loans (such as auto loan or student loans) against the original loan amounts. In general, when you first obtain an installment loan your balance is high, and as you pay this loan down, the balance decreases.
Additionally, the FICO® Score considers how far you have paid down your mortgage and non-mortgage installment loans.

Keep this in mind: This factor will have less of a negative impact on your FICO® Score as you pay down your installment loans and the total balance decreases.

Check your installment loans to calculate your remaining balances

FICO High Achievers have paid down an average of 37% of the principal on their non-mortgage installment loans.

So we get dings for an inquiry along with a hit to our AAoA for a new loan plus another hit because the loan is fresh and the balance is close to what the loan started off at? 

[AzaleaB]

It seems that way although it may depend on other factors. I just recently got an installment loan going from 0 loans to 1 loan. My Fico EQ and EX scores dropped 13 points but my TU score only dropped 4 or 5 points. Some people have reported no changes so its YMMV I guess.