How does my current 5.8 percent mortgage rate compare to historical averages, and at what point does a refinance actually make financial sense for my family?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does my current 5.8 percent mortgage rate compare to historical averages, and at what point does a refinance actually make financial sense for my family?
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
Freddie Mac 30-year fixed mortgage rate historical annual averages 1971 2025 PMMS historical data Google ↗
current 30-year fixed mortgage rate October 2026 Freddie Mac PMMS October 29 2026 Google ↗
- Mortgage Rates · freddiemac.com
- Mortgage Market Survey Archive · freddiemac.com
- Table Data - 30-Year Fixed Rate Mortgage Average in the United States | FRED · fred.stlouisfed.org
- Historical National Average Mortgage Rates · myloan.team
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Freddie Mac 30-year fixed mortgage rate historical annual averages 1971 2025 PMMS historical data OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
current 30-year fixed mortgage rate October 2026 Freddie Mac PMMS October 29 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |