Real ChatGPT answer · index seedgcs4vVO49DUcompleteFinance and banking · personal loanshowto

How do I factor in origination fees when comparing loan offers from Marcus versus my local credit union for a kitchen remodel?

ChatGPTgpt-62 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How do I factor in origination fees when comparing loan offers from Marcus versus my local credit union for a kitchen remodel?
2 real searches · 1 real-search pass
Marcus personal loans origination fee current official terms 2026Google ↗
OBSERVEDConsequence
CFPB loan origination fee APR compare personal loan offers total costGoogle ↗
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 (2)
Short factOther / navigationalComparison50%Consequence50%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
Marcus personal loans origination fee current official terms 2026 Google ↗
CFPB loan origination fee APR compare personal loan offers total cost Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Marcus personal loans origination fee current official terms 2026
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
CFPB loan origination fee APR compare personal loan offers total cost
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1