Real ChatGPT answer · index seed1BX0ER42dYocompleteFinance and banking · mortgagescomparison

I am calculating my debt to income ratio right now and need to know if Wells Fargo includes my gig economy side hustle income or if LoanDepot is more lenient.

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
I am calculating my debt to income ratio right now and need to know if Wells Fargo includes my gig economy side hustle income or if LoanDepot is more lenient.
3 real searches · 1 real-search pass
Wells Fargo mortgage self-employed income 1099 gig economy income documentation requirementsGoogle ↗
OBSERVEDComparison
loanDepot mortgage self-employed income 1099 gig income requirementsGoogle ↗
OBSERVEDOther / navigational
Fannie Mae Selling Guide self-employment income history less than two years tax returnsGoogle ↗
OBSERVEDShort fact

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (3)
Short fact33%Other / navigational33%Comparison33%ConsequenceReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
Wells Fargo mortgage self-employed income 1099 gig economy income documentation requirements Google ↗
loanDepot mortgage self-employed income 1099 gig income requirements Google ↗
Fannie Mae Selling Guide self-employment income history less than two years tax returns Google ↗
  1. Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
  2. Standards for Employment-Related Income · selling-guide.fanniemae.com

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Wells Fargo mortgage self-employed income 1099 gig economy income documentation requirements
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
loanDepot mortgage self-employed income 1099 gig income requirements
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
Fannie Mae Selling Guide self-employment income history less than two years tax returns
OBSERVED
Google ↗
AI Mode ↗
—Short fact——1x
of 1