Real ChatGPT answer · index seedWmyzjXDWQMgcompleteFinance and banking · mortgagesbrand

I just graduated and started my first job, but my parents are wondering if Wells Fargo mortgage refinancing makes sense for the family home right now.

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
I just graduated and started my first job, but my parents are wondering if Wells Fargo mortgage refinancing makes sense for the family home right now.
3 real searches · 1 real-search pass
Wells Fargo mortgage refinance current rates 2026 refinance mortgage offerings fees officialGoogle ↗
OBSERVEDComparison
Freddie Mac PMMS mortgage rates October 2026 30 year fixedGoogle ↗
OBSERVEDOther / navigational
CFPB mortgage refinance break even closing costs official refinanceGoogle ↗
OBSERVEDComparison

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)
Short factOther / navigational33%Comparison67%ConsequenceReasonDefinitionInstructionYes / no

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
Wells Fargo mortgage refinance current rates 2026 refinance mortgage offerings fees official Google ↗
Freddie Mac PMMS mortgage rates October 2026 30 year fixed Google ↗
CFPB mortgage refinance break even closing costs official refinance Google ↗
  1. Freddie Mac Mortgage Market Survey Archive · freddiemac.com
  2. Current mortgage rates · wellsfargo.com
  3. Get a personalized mortgage rate · wellsfargo.com
  4. Wells Fargo refinance rates and quotes · wellsfargo.com
  5. Mortgage Refinancing · wellsfargo.com
  6. Planning to refinance · myhome.freddiemac.com

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Wells Fargo mortgage refinance current rates 2026 refinance mortgage offerings fees official
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
Freddie Mac PMMS mortgage rates October 2026 30 year fixed
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
CFPB mortgage refinance break even closing costs official refinance
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1