"Why is the credit score here different than what I see on my credit report?"
Different where? Are you using Turbo? --> https://turbo.intuit.com/
"Does refinance (pulling my credit) take a hit on the score?"
Typically, refinancing can negatively impact your credit score in a few different ways.
See https://www.experian.com/blogs/ask-experian/heres-how-refinancing-affects-your-credit/
