How do lenders calculate debt-to-income ratios when evaluating a Rocket Mortgage pre-approval application for a dual-income household?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate debt-to-income ratios when evaluating a Rocket Mortgage pre-approval application for a dual-income household?
3 real searches · 1 real-search pass
Rocket Mortgage debt-to-income ratio dual income co-borrower qualifying income debts preapprovalGoogle ↗
OBSERVEDReason
Fannie Mae debt-to-income ratio gross monthly income co-borrower liabilities monthly housing expense guidelinesGoogle ↗
OBSERVEDReason
CFPB debt-to-income ratio mortgage gross monthly income debtsGoogle ↗
OBSERVEDReason
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)
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
Rocket Mortgage debt-to-income ratio dual income co-borrower qualifying income debts preapproval Google ↗
Fannie Mae debt-to-income ratio gross monthly income co-borrower liabilities monthly housing expense guidelines Google ↗
CFPB debt-to-income ratio mortgage gross monthly income debts Google ↗
- What is a co-borrower? Mortgage guide · rocketmortgage.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Ultimate mortgage preapproval checklist · rocketmortgage.com
- How much debt can you have when buying a house? · rocketmortgage.com
- Debt-to-income ratio: What it is and how to calculate it · rocketmortgage.com
- General Information on Liabilities · selling-guide.fanniemae.com
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
- Mortgage preapproval: How to get preapproved · rocketmortgage.com
- § 1026.43 Minimum standards for transactions secured by a dwelling. · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Rocket Mortgage debt-to-income ratio dual income co-borrower qualifying income debts preapproval OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Fannie Mae debt-to-income ratio gross monthly income co-borrower liabilities monthly housing expense guidelines OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB debt-to-income ratio mortgage gross monthly income debts OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |