How do lenders weigh different credit score factors when reviewing a joint mortgage application where one spouse has a high debt-to-income ratio due to student loans?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders weigh different credit score factors when reviewing a joint mortgage application where one spouse has a high debt-to-income ratio due to student loans?
2 real searches · 1 real-search pass
Fannie Mae selling guide student loans debt-to-income ratio monthly payment joint borrowers representative credit score mortgage underwritingGoogle ↗
OBSERVEDReason
Freddie Mac guide student loan monthly debt payment debt-to-income ratio mortgage borrowers credit score joint applicationGoogle ↗
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 (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
ChatGPT2 real searches · gpt-6
Fannie Mae selling guide student loans debt-to-income ratio monthly payment joint borrowers representative credit score mortgage underwriting Google ↗
Freddie Mac guide student loan monthly debt payment debt-to-income ratio mortgage borrowers credit score joint application Google ↗
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Qualifying for a Mortgage with Student Loan Debt · myhome.freddiemac.com
- Determining the Credit Score for a Mortgage Loan · selling-guide.fanniemae.com
- Loan Delivery Job Aids: Credit Scores · singlefamily.fanniemae.com
- Risk Factors Evaluated by DU · selling-guide.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide student loans debt-to-income ratio monthly payment joint borrowers representative credit score mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac guide student loan monthly debt payment debt-to-income ratio mortgage borrowers credit score joint application OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |