What are the pros and cons of using a local credit union versus a national online lender for a first time home purchase in the current housing market?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the pros and cons of using a local credit union versus a national online lender for a first time home purchase in the current housing market?
3 real searches · 1 real-search pass
October 2026 mortgage market average 30-year fixed mortgage rate Freddie Mac current housing market United StatesGoogle ↗
OBSERVEDShort fact
CFPB compare mortgage lenders Loan Estimate shop around mortgage closing costs credit union online lender first time homebuyerGoogle ↗
OBSERVEDComparison
NCUA credit union mortgage loans consumer protections mortgage lendingGoogle ↗
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 (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
October 2026 mortgage market average 30-year fixed mortgage rate Freddie Mac current housing market United States Google ↗
CFPB compare mortgage lenders Loan Estimate shop around mortgage closing costs credit union online lender first time homebuyer Google ↗
NCUA credit union mortgage loans consumer protections mortgage lending Google ↗
- Mortgage Rates · freddiemac.com
- Mortgage Rates Decline Further to 7.24% · freddiemac.gcs-web.com
- US 30-year fixed-rate mortgage rate hits 7.40%, likely to further erode housing demand · reuters.com
- US mortgage rates decline for first time in 9 weeks to 7.32% · businesstimes.com.sg
- Shopping for a Mortgage · consumerfinance.gov
- Request and review multiple Loan Estimates · consumerfinance.gov
- Loan Estimate comparison guide · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
October 2026 mortgage market average 30-year fixed mortgage rate Freddie Mac current housing market United States OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
CFPB compare mortgage lenders Loan Estimate shop around mortgage closing costs credit union online lender first time homebuyer OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
NCUA credit union mortgage loans consumer protections mortgage lending OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |