Compare the underwriting guidelines of Bank of America and Loan Depot to see which treats variable 1099 business income more favorably.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Compare the underwriting guidelines of Bank of America and Loan Depot to see which treats variable 1099 business income more favorably.
3 real searches · 1 real-search pass
Bank of America mortgage self employed 1099 income underwriting guidelines variable income tax returns 2026Google ↗
OBSERVEDReason
loanDepot mortgage 1099 income self employed underwriting guidelines variable income 2026Google ↗
OBSERVEDOther / navigational
Bank of America mortgage self-employed income requirements two years tax returns 1099Google ↗
OBSERVEDReason
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Bank of America mortgage self employed 1099 income underwriting guidelines variable income tax returns 2026 Google ↗
loanDepot mortgage 1099 income self employed underwriting guidelines variable income 2026 Google ↗
Bank of America mortgage self-employed income requirements two years tax returns 1099 Google ↗
- mortgage documentation guide · baml.bankofamerica.com
- underwriting overview · bankofamerica.com
- employment and income guidance · loandepot.com
- Learn How to Get Approved for a Mortgage · bankofamerica.com
- Underwriting Factors and Documentation for a Self-Employed Borrower · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Bank of America mortgage self employed 1099 income underwriting guidelines variable income tax returns 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
loanDepot mortgage 1099 income self employed underwriting guidelines variable income 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Bank of America mortgage self-employed income requirements two years tax returns 1099 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |