How do discount points currently influence the effective APR on a 15-year fixed mortgage for well-qualified buyers in Chicago?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do discount points currently influence the effective APR on a 15-year fixed mortgage for well-qualified buyers in Chicago?
3 real searches · 1 real-search pass
Chicago Illinois 15-year fixed mortgage rates discount points APR October 2026 well qualified borrowersGoogle ↗
OBSERVEDComparison
current 15 year fixed mortgage rate average points APR October 31 2026 Freddie Mac mortgage survey 15 yearGoogle ↗
OBSERVEDReason
CFPB mortgage discount points APR how points affect annual percentage rateGoogle ↗
OBSERVEDConsequence
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
Chicago Illinois 15-year fixed mortgage rates discount points APR October 2026 well qualified borrowers Google ↗
current 15 year fixed mortgage rate average points APR October 31 2026 Freddie Mac mortgage survey 15 year Google ↗
CFPB mortgage discount points APR how points affect annual percentage rate Google ↗
- Chicago, Illinois Mortgage Rates Today · monitorbankrates.com
- Mortgage Rates · freddiemac.com
- 2026-10-29, Release Tables: Primary Mortgage Market Survey | FRED · fred.stlouisfed.org
- How should I use lender credits and points (also called discount points)? · consumerfinance.gov
- What is the difference between a mortgage interest rate and an APR? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Chicago Illinois 15-year fixed mortgage rates discount points APR October 2026 well qualified borrowers OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
current 15 year fixed mortgage rate average points APR October 31 2026 Freddie Mac mortgage survey 15 year OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB mortgage discount points APR how points affect annual percentage rate OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |