Can lenders legally pass on their internal legal department costs as refinancing fees to the borrower at the closing table?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can lenders legally pass on their internal legal department costs as refinancing fees to the borrower at the closing table?
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
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
United States mortgage refinance lender charge borrower in-house legal department fees internal attorney costs closing RESPA Regulation Z state law OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
New York mortgage refinance lender in-house counsel legal fees charged to borrower closing costs law OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |