Every lender has their own computer generated scoring model. Lender A might give more importance to payment history than lender B. Lender B might give more importance to length of credit history than lender C. Etc. And, most lenders now give more importance to credit card debt, than in the past.
One other factor that you shared with me, in a separate conversation, is that you have opened new accounts. Those new accounts will lower your scores for several months…until you prove you can handle the responsibility of that account. It is because of this that we usually do not recommend new accounts within six months of attempting a mortgage loan.