With regard to your TU score, it is possible that your lender pulled the TU 04 version. The score pulled from this website is the TU 98 version. The scoring formulas are different, and other users have sometimes noticed large differences between the two scores.
I assume that you mean EQ (Equifax), not EX (Experian). If so, then your Equifax score pulled from the lender and the Equifax score from this website should be the same if they were pulled on the same day. If, however, your lender really did pull Experian, then you can't compare your Experian score to the Equifax score from here.
The credit reports the underlie each score - EQ, EX, or TU - can differ among the these bureaus, because the information contained at each can be different. However, any score you get that is a "TransUnion" score, for example, is based on the same information. So the TU score that you got from the lender is based on the same information that generated you TU score from here, assuming that no significant changes occurred between the time the two scores were pulled (e.g. credit card reported a new balance in the time between the two score reports).
Again, I suspect that the lender is using the newer version of the TU FICO score. Eventually, TU 04 will be offered here, but the rollout date hasn't been set.
In any case, your scores that your lender pulled would make it very hard, if not impossible, to obtain a mortgage at this time, unless you're able to bring a substantial down payment to the table.
