What are the most common reasons lenders reject mortgage pre-approval letter requests from retirees without a traditional W2 job?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the most common reasons lenders reject mortgage pre-approval letter requests from retirees without a traditional W2 job?
3 real searches · 1 real-search pass
Fannie Mae selling guide retirement income Social Security pension IRA distributions asset depletion assets qualifying income mortgage underwritingGoogle ↗
OBSERVEDReason
Freddie Mac guide retirement income assets as income mortgage qualification retireesGoogle ↗
OBSERVEDConsequence
CFPB mortgage loan application income assets debt-to-income ratio documentation retireesGoogle ↗
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
Fannie Mae selling guide retirement income Social Security pension IRA distributions asset depletion assets qualifying income mortgage underwriting Google ↗
Freddie Mac guide retirement income assets as income mortgage qualification retirees Google ↗
CFPB mortgage loan application income assets debt-to-income ratio documentation retirees Google ↗
- Employment Related Assets as Qualifying Income · selling-guide.fanniemae.com
- Mortgage Lending: Lending Standards for Asset Dissipation Underwriting · occ.gov
- Annuity, Pension, or Retirement Income · selling-guide.fanniemae.com
- FAQ: Top Trending Selling FAQs · singlefamily.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide retirement income Social Security pension IRA distributions asset depletion assets qualifying income mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac guide retirement income assets as income mortgage qualification retirees OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CFPB mortgage loan application income assets debt-to-income ratio documentation retirees OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |