My commercial loan officer asked for my debt to income ratio, and I am confused about whether my deferred federal student loans are still being calculated into that number by major banks.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My commercial loan officer asked for my debt to income ratio, and I am confused about whether my deferred federal student loans are still being calculated into that number by major banks.
3 real searches · 1 real-search pass
commercial loan underwriting deferred student loans debt to income ratio bank policy business loan personal guarantor student loan defermentGoogle ↗
OBSERVED
Fannie Mae deferred student loans monthly debt obligation 1% outstanding balance actual payment documentationGoogle ↗
OBSERVED
SBA SOP student loans deferred debt service debt obligations underwritingGoogle ↗
OBSERVED
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.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
commercial loan underwriting deferred student loans debt to income ratio bank policy business loan personal guarantor student loan deferment Google ↗
Fannie Mae deferred student loans monthly debt obligation 1% outstanding balance actual payment documentation Google ↗
SBA SOP student loans deferred debt service debt obligations underwriting Google ↗
- How Banks Review Business Loan Applications · td.com
- Factors Banks Consider Before Granting a Business Loan · business.bankofamerica.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
commercial loan underwriting deferred student loans debt to income ratio bank policy business loan personal guarantor student loan deferment OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Fannie Mae deferred student loans monthly debt obligation 1% outstanding balance actual payment documentation OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
SBA SOP student loans deferred debt service debt obligations underwriting OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |