WW - there are many credit scores. Even if one was pulled from a major vendor, the score the bank uses can be very different. (A general credit score is usually offered by the major CRA's. Your bank may be using a mortgage credit score [heavier emphasis on mortgage loans] or a tri-merge.
There could be a reputational/regulatory risk if applicant gets their score e.g. from Equafax which says 650, and the bank pulls one and it's lower and the loan is denied.
_________________________
Integrity. With it, nothing else matters. Without it, nothing else matters.