Real ChatGPT answer · index seedri9YVuL0LbccompleteReal estate · buying a homecomparison

Can you compare current mortgage refinance rates between online lenders and local credit unions to see which saves more long term?

ChatGPTgpt-61 query11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you compare current mortgage refinance rates between online lenders and local credit unions to see which saves more long term?
1 real search · 1 real-search pass
current mortgage refinance rates October 31 2026 online lenders 30-year fixed refinance rates; Illinois credit union mortgage refinance rates October 2026Google ↗
OBSERVEDOther / navigational

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 (1)
Short factOther / navigational100%ComparisonConsequenceReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT1 real searches · gpt-6
current mortgage refinance rates October 31 2026 online lenders 30-year fixed refinance rates; Illinois credit union mortgage refinance rates October 2026 Google ↗
  1. Today’s Refinance Mortgage Rates · nerdwallet.com
  2. Illinois Refinance Rates · monitorbankrates.com

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
current mortgage refinance rates October 31 2026 online lenders 30-year fixed refinance rates; Illinois credit union mortgage refinance rates October 2026
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1