What is the exact formula lenders use to calculate the per diem interest added to a conventional mortgage payoff statement if closing occurs mid-month?
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The searches the AI actually ran for this prompt.
SEED QUERY
What is the exact formula lenders use to calculate the per diem interest added to a conventional mortgage payoff statement if closing occurs mid-month?
2 real searches · 1 real-search pass
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 (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
conventional mortgage payoff statement per diem interest calculation 365 days servicer payoff quote accrued interest formula Google ↗
mortgage payoff statement per diem interest actual days 365 note interest calculation CFPB Google ↗
- Processing Mortgage Loan Payments and Payoffs · servicing-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
conventional mortgage payoff statement per diem interest calculation 365 days servicer payoff quote accrued interest formula OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
mortgage payoff statement per diem interest actual days 365 note interest calculation CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |