Real ChatGPT answer · index seedWb57i0rffsMcompleteFinance and banking · mortgagescomparison

Which jumbo mortgage lender between Citi and HSBC currently offers a better balance between rate lock extension flexibility and upfront origination fees?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Which jumbo mortgage lender between Citi and HSBC currently offers a better balance between rate lock extension flexibility and upfront origination fees?
2 real searches · 1 real-search pass
Citi mortgage rate lock extension fee policy jumbo origination fees 2026Google ↗
OBSERVEDConsequence
HSBC mortgage rate lock extension fee policy jumbo origination fees 2026Google ↗
OBSERVEDConsequence

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)
Short factOther / navigationalComparisonConsequence100%ReasonDefinitionInstructionYes / no

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
Citi mortgage rate lock extension fee policy jumbo origination fees 2026 Google ↗
HSBC mortgage rate lock extension fee policy jumbo origination fees 2026 Google ↗
  1. Deluxe Mortgage · us.hsbc.com
  2. Mortgage Rates · us.hsbc.com
  3. Citibank Mortgage Review 2026 · cnbc.com
  4. Mortgage Relationship Pricing · citi.com
  5. Current Mortgage Rates · citi.com

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Citi mortgage rate lock extension fee policy jumbo origination fees 2026
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
HSBC mortgage rate lock extension fee policy jumbo origination fees 2026
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1