Real ChatGPT answer · index seedL3NyFMXi6WMcompleteFinance and banking · mortgagescommercial

Analyze whether it makes financial sense to refinance my 5.875 percent mortgage from last year if closing costs total around four thousand dollars.

ChatGPTgpt-61 query10/31/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
Analyze whether it makes financial sense to refinance my 5.875 percent mortgage from last year if closing costs total around four thousand dollars.
1 real search · 1 real-search pass
current average 30-year fixed mortgage refinance rates October 2026 United StatesGoogle ↗
OBSERVEDShort fact

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 (1)
Short fact100%Other / navigationalComparisonConsequenceReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT1 real searches · gpt-6
current average 30-year fixed mortgage refinance rates October 2026 United States Google ↗
  1. 30-Year Refinance Rates | Compare rates today · bankrate.com
  2. Mortgage Rates · freddiemac.com

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
current average 30-year fixed mortgage refinance rates October 2026 United States
OBSERVED
Google ↗
AI Mode ↗
—Short fact——1x
of 1