Can you walk me through the exact steps to calculate my debt to income ratio for a mortgage application I am submitting in Denver this evening?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you walk me through the exact steps to calculate my debt to income ratio for a mortgage application I am submitting in Denver this evening?
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
ChatGPT2 real searches · gpt-6
CFPB debt-to-income ratio mortgage monthly debt payments gross income what counts Google ↗
Fannie Mae debt-to-income ratio qualifying monthly obligations housing expense student loans credit cards 2026 Google ↗
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- DU Job Aids: DTI Ratio Calculation Questions · singlefamily.fanniemae.com
- Selling Guide · singlefamily.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
- CFPB's explanation of debt-to-income ratios · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB debt-to-income ratio mortgage monthly debt payments gross income what counts OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Fannie Mae debt-to-income ratio qualifying monthly obligations housing expense student loans credit cards 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 |