**you have found favor with God (Luke 1:30);**
Yes, unmeritted favor: “For he hath regarded the low estate of his handmaiden..”.
Here’s another chosen one, who was of low estate:
“..for he is a chosen vessel unto me, to bear my name before the Gentiles, and kings, and children of Israel”. Acts 9:15 (The Lord informing Ananias, of Saul/Paul)
I see you skipped part 3.
It's called humility. That's yet another reason why we Catholics of both Latin and Eastern rites love her so much!
God found favor with Mary. Who are you, or anyone else, to say that favor is unmerited?