Steven
Did you do a CALIBRATION for each band, over a fairly narrow frequency range?
I do that, and SAVE the file: 80m CAL, 40m CAL, etc.
I also did one for HF CAL covering 1-30 MHz with with SAVER I can use thousands of cal points and when I save the file, it is maybe 200 kB.
If your SAVER readings are different from the internal readings, I would first check your CAL files on SAVER.
As mentioned, put the 50 ohm dummy load on and see if the SWR is low (1:1) on each band you test.
2m and 440 MHz has some additional challenges for the leads and adapters.
de k3eui
Barry K3EUI