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.