Why is my loan application status stuck in underwriting with Pennymac compared to how fast my local credit union processes things for older adults.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why is my loan application status stuck in underwriting with Pennymac compared to how fast my local credit union processes things for older adults.
2 real searches · 1 real-search pass
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
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
PennyMac mortgage underwriting process status underwriting how long official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CFPB mortgage application underwriting lender delay loan estimate closing disclosure underwriting official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |