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don't understand - fico score 8 dropped but mortgage scores jumped?

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Hi. I am trying to aggressively repair my credit to qualify for a mortgage. This is where I was a week ago:

EQ Fico 8: 598

TU Fico 8: 588

EX Fico 8: 583

 

The mortgage scores were something like, 613, 623 and 640.

 

This week's Fico 8 scores dropped but the mortgage scores jumped...a lot! I don't know what to think.

EQ Fico 8: 571

TU Fico 8: 587

EX Fico 8: 575

 

Mortgage scores: (this week)

 

EQ Fico 5: 631

TU Fico 4: 642

EX Fico 2: 679

 

Are these the score banks use for mortgage lending? If so, even though my FICO 8 dropped, should I start talking to a local bank about getting a mortgage? I found my dream house. Help!

 


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