They absolutely do provide a rating. Equifax, Transunion, and others provide a FICO score (or similar) based on the data they have.

Credit reports are not the same as credit scores. They are typically provided by different companies.

I meant as their primary purpose, if the government were to offer a similar service. They all started selling scores recently, but lenders don’t necessarily use that, they look at the details themselves and come up with a decision on whether or not to lend.

That's not accurate. I just finished my home refinance two weeks ago.

First, my score qualified me into a certain set of options (rates, points, etc) then they asked about specific details of the report after. But the score is the first pass/qualification.

The fair Isaac corporation issue the FICO score and each credit bureau has their own competing score. The Equifax one is call the "Equifax Credit Score"