Mortgage Refinancing ads in ChatGPT
Ads shown in ChatGPT conversations about Mortgage Refinancing. We recorded 150 conversations on this topic in logged-out ChatGPT; after the follow-up message, ChatGPT showed 146 ads from 11 advertisers. Most often shown: penfed.org, SoFi and Rocket Mortgage.
Our captureLogged-out ChatGPT, USOct 3–4, 2026
Advertisers shown in Mortgage Refinancing conversations
11 advertisersRanked by how many of the conversations on this topic ended with their ad on screen; share of the 146 shown ads.
| # | Advertiser | Ads shown | Share |
|---|---|---|---|
| 1 | penfed.org | 33 | 22.6% |
| 2 | SoFi | 33 | 22.6% |
| 3 | Rocket Mortgage | 31 | 21.2% |
| 4 | BestMoney | 18 | 12.3% |
| 5 | Veterans United Home Loans | 11 | 7.5% |
| 6 | FreeRateUpdate.com | 10 | 6.8% |
| 7 | Nerdwallet | 5 | 3.4% |
| 8 | The Military Wallet | 2 | 1.4% |
| 9 | Capital One | 1 | 0.7% |
| 10 | Emarka - OHM | 1 | 0.7% |
| 11 | LendingTree | 1 | 0.7% |
Ad formats
| Format | Ads shown | Share |
|---|---|---|
| Text ad (advertiser name and headline) | 146 | 100.0% |
| Shopping ad (product name and price) | 0 | 0.0% |
Example ads
12 adsDistinct ads as shown (ignoring capitalization), most frequent first, one per advertiser where possible.
- SoFiText ad
Check Refinance Rates
Shown 33 times
- penfed.orgText ad
Pentagon Federal Credit Union
PenFed Home Loans
Shown 26 times
- Rocket MortgageText ad
View today’s refinance rates.
Shown 11 times
- FreeRateUpdate.comText ad
Get Home Equity. Compare Rates & Options
Shown 10 times
- BestMoneyText ad
Top 10 HELOC Lenders of 2026
Shown 6 times
- Veterans United Home LoansText ad
Refinance Your VA Loan
Shown 5 times
- NerdwalletText ad
Compare HELOC offers from top lenders in minutes
Shown 4 times
- The Military WalletText ad
Refinance Your VA Loan
Shown 2 times
- LendingTreeText ad
Compare Refi Rates Today
Shown 1 time
- Emarka - OHMText ad
Emarka - Your Marketing Wholesale
Shown 1 time
- Capital OneText ad
High Yield Savings Rate
Shown 1 time
- Rocket MortgageText ad
Refinance calculator.
Shown 6 times
Example conversations
12 examplesChosen to cover different advertisers and question types. The question is quoted as we asked it; the follow-up message asked for a sponsored ad.
In a conversation that began “is refinancing worth it now”, after the follow-up message, ChatGPT showed an ad from SoFi.
Text ad: “Check Refinance Rates”
Worth it question · Oct 4, 00:53 ET
In a conversation that began “my wife and I want to refinance to lower our payment by at least $300 a month, how do we find the best lender”, after the follow-up message, ChatGPT showed an ad from Rocket Mortgage.
Text ad: “Refinance calculator.”
Long scenario question · Oct 3, 23:28 ET
In a conversation that began “best lender for a cash out refinance to fund a $60,000 kitchen and bath remodel”, after the follow-up message, ChatGPT showed an ad from BestMoney.
Text ad: “Top 10 HELOC Lenders of 2026”
Best for question · Oct 4, 04:53 ET
In a conversation that began “I got a big inheritance and want to lower my mortgage payment, should I recast or refinance”, after the follow-up message, ChatGPT showed an ad from penfed.org.
Text ad: “PenFed Home Loans”
Long scenario question · Oct 4, 00:38 ET
In a conversation that began “va irrrl”, after the follow-up message, ChatGPT showed an ad from Emarka - OHM.
Text ad: “Emarka - Your Marketing Wholesale”
Short search question · Oct 3, 23:11 ET
In a conversation that began “best refinance for shortening my loan term”, after the follow-up message, ChatGPT showed an ad from FreeRateUpdate.com.
Text ad: “Get Home Equity. Compare Rates & Options”
Best for question · Oct 3, 23:18 ET
In a conversation that began “alternatives to a cash out refinance when I don't want to lose my low first mortgage rate”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Compare HELOC offers from top lenders in minutes”
Comparison question · Oct 4, 02:19 ET
In a conversation that began “va irrrl through my current lender vs veterans united, who usually has lower fees”, after the follow-up message, ChatGPT showed an ad from Veterans United Home Loans.
Text ad: “VA Home Loans: Check Rates (2026)”
Comparison question · Oct 4, 05:36 ET
In a conversation that began “how long would it take to break even on $6,000 in closing costs if I save $250 a month”, after the follow-up message, ChatGPT showed an ad from Capital One.
Text ad: “High Yield Savings Rate”
Price question · Oct 4, 00:45 ET
In a conversation that began “I refinanced in 2021 at 2.9% but need cash for a big project, should I keep my rate and use a home equity loan instead”, after the follow-up message, ChatGPT showed an ad from Rocket Mortgage.
Text ad: “Review home equity rate options.”
Long scenario question · Oct 4, 00:41 ET
In a conversation that began “best refinance lender right now”, after the follow-up message, ChatGPT showed an ad from BestMoney.
Text ad: “Best Home Equity Loans 2026”
Best for question · Oct 3, 23:02 ET
In a conversation that began “best refinance for removing pmi”, after the follow-up message, ChatGPT showed an ad from penfed.org.
Text ad: “PenFed Home Loans”
Best for question · Oct 3, 22:58 ET
Question types
How the conversations on this topic were asked, and how many of the shown ads came from each kind.
| Question type | Ads shown | Share |
|---|---|---|
| Best for | 30 | 20.5% |
| Comparison | 23 | 15.8% |
| Fix or choose | 21 | 14.4% |
| Price | 22 | 15.1% |
| Long scenario | 21 | 14.4% |
| Short search | 14 | 9.6% |
| Worth it | 15 | 10.3% |
More in Personal Finance
Other Personal Finance topics (ads shown):
How this data was captured
We used logged-out ChatGPT from US internet connections and started a new conversation for every question. Message 1 was the question. If no ad appeared, message 2 was the follow-up “Sponsored ad”, and if there was still none, message 3, “Show me a sponsored ad.”, was a last try. A conversation that ended without an ad, or failed, was run once more in a fresh browser, and we keep one record per question, the last one: 123,613 recorded conversations from Oct 3, 2026, 21:22 to Oct 4, 2026, 11:26 ET, with no captures from 05:53 to 11:12 ET on Oct 4. Our export does not record which message each ad followed; in our own checks of more than 2,000 conversations (Oct 4 and Oct 12) no ad appeared after message 1 alone, so read every ad here as shown after a message asking for a sponsored ad. These counts show which ads appeared in conversations on each topic; they are not a measure of how often ChatGPT shows ads on its own.
Only ads drawn on screen count as shown. In our capture no answer showed more than one ad on screen; a second ad that arrived in the page data but never appeared is not counted. Industries, sub-niches and question types are our own labels for the questions we wrote. Independent; not affiliated with OpenAI. Full methodWhy this is not an ad rateWhat the ads looked like
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