What is the exact formula for computing the APR on a mortgage that includes upfront funding fees, origination points, and lender-paid title insurance credits?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the exact formula for computing the APR on a mortgage that includes upfront funding fees, origination points, and lender-paid title insurance credits?
3 real searches · 1 real-search pass
CFPB Regulation Z Appendix J APR amount financed prepaid finance charge lender credit title insurance points mortgageGoogle ↗
OBSERVED
12 CFR 1026.4 finance charge points title insurance lender paid charges mortgageGoogle ↗
OBSERVED
12 CFR 1026.22 APR actuarial method Appendix J irregular first payment period mortgageGoogle ↗
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
CFPB Regulation Z Appendix J APR amount financed prepaid finance charge lender credit title insurance points mortgage Google ↗
12 CFR 1026.4 finance charge points title insurance lender paid charges mortgage Google ↗
12 CFR 1026.22 APR actuarial method Appendix J irregular first payment period mortgage Google ↗
- § 1026.4 Finance charge. · consumerfinance.gov
- 12 CFR § 1026.4 - Finance charge. | Electronic Code of Federal Regulations (e-CFR) | US Law · law.cornell.edu
- § 1026.22 Determination of annual percentage rate. · consumerfinance.gov
- 12 CFR Appendix J to Part 1026 - Annual Percentage Rate Computations for Closed-End Credit Transactions | Electronic Code of Federal Regulations (e-CFR) | US Law · liicornell.org
- 12 CFR § 226.18 — Content of disclosures. · federal-regs.com
- V-1 Truth in Lending Act (TILA) · fdic.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB Regulation Z Appendix J APR amount financed prepaid finance charge lender credit title insurance points mortgage OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
12 CFR 1026.4 finance charge points title insurance lender paid charges mortgage OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
12 CFR 1026.22 APR actuarial method Appendix J irregular first payment period mortgage OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |