Is PenFed Credit Union better than Navy Federal for a VA purchase loan when you have two kids in daycare
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is PenFed Credit Union better than Navy Federal for a VA purchase loan when you have two kids in daycare
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
PenFed vs Navy Federal VA home purchase loan rates fees underwriting residual income daycare expenses 2026 Google ↗
VA loan residual income family size childcare expenses debt to income official VA lender handbook Google ↗
- home.penfed.org · home.penfed.org
- Rates · navyfederal.org
- VA Pamphlet VAP26-7 Chapter 04 Credit Underwriting · knowva.ebenefits.va.gov
- Lender’s Handbook · benefits.va.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
PenFed vs Navy Federal VA home purchase loan rates fees underwriting residual income daycare expenses 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
VA loan residual income family size childcare expenses debt to income official VA lender handbook OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |