Are there really consumer FICO scores and lender FICO scores?

[Bridgette I.]

Experian says my FICO is 816.  My lender showed me my credit report that she pulled and Experian says my FICO is 695.  When I asked my lender about this, her reply was that there's a consumer FICO and a lender FICO that is usually much lower.   Last July I noticed the same thing, but I was going off of Credit Karma's score, so I assumed that was where the gap in my score was coming from.  This time, however, I checked my FICO because its a free perk from my credit card company.  It seems like it would be in the best interest for the lender to find a low FICO score to ensure a higher interest rate.  Can anyone offer advice?