How low can a borrower credit score drop between pre-approval and closing day before the lender pulls the plug on a conventional mortgage
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How low can a borrower credit score drop between pre-approval and closing day before the lender pulls the plug on a conventional mortgage
3 real searches · 1 real-search pass
Fannie Mae credit score changes before closing mortgage re-underwriting credit report score eligibility minimum score 2026Google ↗
OBSERVEDReason
Freddie Mac mortgage credit score changes before closing lender recheck credit report score underwriting requirementsGoogle ↗
OBSERVEDReason
conventional mortgage lender credit score drop before closing debt-to-income loan pricing minimum credit scoreGoogle ↗
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
Fannie Mae credit score changes before closing mortgage re-underwriting credit report score eligibility minimum score 2026 Google ↗
Freddie Mac mortgage credit score changes before closing lender recheck credit report score underwriting requirements Google ↗
conventional mortgage lender credit score drop before closing debt-to-income loan pricing minimum credit score Google ↗
- General Requirements for Credit Scores · selling-guide.fanniemae.com
- Desktop Underwriter Credit Risk Assessment Updates · singlefamily.fanniemae.com
- General Information on DU · selling-guide.fanniemae.com
- Section 5102.1 · guide.freddiemac.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae credit score changes before closing mortgage re-underwriting credit report score eligibility minimum score 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac mortgage credit score changes before closing lender recheck credit report score underwriting requirements OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
conventional mortgage lender credit score drop before closing debt-to-income loan pricing minimum credit score OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |