Credit Score, Installment Loans, Mortgage, WOW!?

Ok I know staying 30% or below on your credit limit, but what about installment loans, and something as big as a auto loan, or a mortgage? Don't they throw your credit score out a whack because that's way more than 30% all together. I was wondering if FICO 08 look at different categories of your credit score instead of just one category. Doesn't make much since at first, so any help since all these are including in your debt-to-credit part of your score or credit utilization as I have seen it.