What are the best alternatives to loan depot mortgage options if my debt to income ratio is right on the borderline today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the best alternatives to loan depot mortgage options if my debt to income ratio is right on the borderline today?
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
2026 mortgage lenders alternatives to loanDepot FHA conventional portfolio loans DTI flexibility Google ↗
Fannie Mae debt-to-income ratio maximum 50 percent Desktop Underwriter 2026 FHA total debt ratio guidelines USDA VA DTI lender overlays Google ↗
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Selling Guide · singlefamily.fanniemae.com
- Mortgage Programs · nhhousing.org
- NH Housing Honors 2025 Top Lenders for Helping 1,078 Granite Staters Achieve Homeownership · nhhousing.org
- New Hampshire Housing homeownership programs · nhhousing.org
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 mortgage lenders alternatives to loanDepot FHA conventional portfolio loans DTI flexibility OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Fannie Mae debt-to-income ratio maximum 50 percent Desktop Underwriter 2026 FHA total debt ratio guidelines USDA VA DTI lender overlays OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |