Mortgages ads in ChatGPT
Ads shown in ChatGPT conversations about Mortgages. We recorded 154 conversations on this topic in logged-out ChatGPT; after the follow-up message, ChatGPT showed 150 ads from 23 advertisers. Most often shown: penfed.org, Rocket Mortgage and SoFi.
Our captureLogged-out ChatGPT, USOct 3–4, 2026
Advertisers shown in Mortgages conversations
23 advertisersRanked by how many of the conversations on this topic ended with their ad on screen; share of the 150 shown ads.
| # | Advertiser | Ads shown | Share |
|---|---|---|---|
| 1 | penfed.org | 79 | 52.7% |
| 2 | Rocket Mortgage | 30 | 20.0% |
| 3 | SoFi | 14 | 9.3% |
| 4 | Veterans United Home Loans | 6 | 4.0% |
| 5 | BestMoney | 2 | 1.3% |
| 6 | WiserAdvisor | 2 | 1.3% |
| 7 | businessloans.com | 1 | 0.7% |
| 8 | Capital One | 1 | 0.7% |
| 9 | Credible | 1 | 0.7% |
| 10 | FHALoans.com | 1 | 0.7% |
| 11 | FreeRateUpdate.com | 1 | 0.7% |
| 12 | Homes.com | 1 | 0.7% |
| 13 | LegalNature | 1 | 0.7% |
| 14 | LendingTree | 1 | 0.7% |
| 15 | Modern Day Lending | 1 | 0.7% |
| 16 | Neighbors Bank | 1 | 0.7% |
| 17 | New Silver Lending | 1 | 0.7% |
| 18 | One Percent Listing AZ | 1 | 0.7% |
| 19 | PublicRecords.us | 1 | 0.7% |
| 20 | RealEstateAgents.com | 1 | 0.7% |
| 21 | Seeking Alpha | 1 | 0.7% |
| 22 | Thrivent Bank | 1 | 0.7% |
| 23 | USDALoans.com | 1 | 0.7% |
Ad formats
| Format | Ads shown | Share |
|---|---|---|
| Text ad (advertiser name and headline) | 150 | 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.
- penfed.orgText ad
Pentagon Federal Credit Union
PenFed Home Loans
Shown 78 times
- Rocket MortgageText ad
Today’s home loan rates.
Shown 12 times
- SoFiText ad
Mortgage Loan
Shown 8 times
- Veterans United Home LoansText ad
VA Home Loans: Check Rates (2026)
Shown 4 times
- WiserAdvisorText ad
Find a Local Financial Advisor
Shown 2 times
- Thrivent BankText ad
Financial Guidance
Shown 1 time
- Neighbors BankText ad
Neighbors Bank:#3 USDA Top Originating Lender
Shown 1 time
- New Silver LendingText ad
DSCR Loans From 6%
Shown 1 time
- CredibleText ad
Personal Loans Compared
Shown 1 time
- Seeking AlphaText ad
Top Stocks for the Second Half of 2026
Shown 1 time
- LendingTreeText ad
Explore Today's Rates
Shown 1 time
- RealEstateAgents.comText ad
See great local real estate agents
Shown 1 time
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 “my rate lock expires next week and closing got delayed, how do I avoid paying more”, after the follow-up message, ChatGPT showed an ad from Rocket Mortgage.
Text ad: “Check updated refinance rates.”
Fix or choose question · Oct 3, 23:28 ET
In a conversation that began “mortgage rates”, after the follow-up message, ChatGPT showed an ad from penfed.org.
Text ad: “PenFed Home Loans”
Short search question · Oct 3, 23:33 ET
In a conversation that began “my mortgage was denied in underwriting because of my debt-to-income ratio, what are my options now”, after the follow-up message, ChatGPT showed an ad from Credible.
Text ad: “Personal Loans Compared”
Fix or choose question · Oct 4, 05:26 ET
In a conversation that began “30 year mortgage”, after the follow-up message, ChatGPT showed an ad from LendingTree.
Text ad: “Explore Today's Rates”
Short search question · Oct 3, 23:32 ET
In a conversation that began “what closing costs should I expect on a $350,000 home in Georgia”, after the follow-up message, ChatGPT showed an ad from RealEstateAgents.com.
Text ad: “See great local real estate agents”
Price question · Oct 4, 00:16 ET
In a conversation that began “how much does a jumbo loan cost compared to a conforming loan right now”, after the follow-up message, ChatGPT showed an ad from Modern Day Lending.
Text ad: “Jumbo Loans up to $10M. Close in 21 Days or Less”
Price question · Oct 4, 02:53 ET
In a conversation that began “alternatives to bridge loans for buyers”, after the follow-up message, ChatGPT showed an ad from BestMoney.
Text ad: “Top 10 HELOC Lenders of 2026”
Comparison question · Oct 4, 11:20 ET
In a conversation that began “I'm a teacher in Pennsylvania buying a $300,000 home, are there lenders with special programs for educators”, after the follow-up message, ChatGPT showed an ad from USDALoans.com.
Text ad: “Pennsylvania USDA Loan Options”
Long scenario question · Oct 3, 23:08 ET
In a conversation that began “best mortgage lender for a veteran in Virginia using a va loan for the second time”, after the follow-up message, ChatGPT showed an ad from Veterans United Home Loans.
Text ad: “VA Home Loans: Check Rates (2026)”
Best for question · Oct 3, 23:30 ET
In a conversation that began “I'm buying a condo in Miami and the building isn't warrantable, which lenders still offer reasonable terms”, after the follow-up message, ChatGPT showed an ad from Homes.com.
Text ad: “Miami homes for sale”
Long scenario question · Oct 4, 11:21 ET
In a conversation that began “my appraisal came in $20,000 under the contract price, what should I do now”, after the follow-up message, ChatGPT showed an ad from PublicRecords.us.
Text ad: “Search Property Value And Tax Records By Address”
Fix or choose question · Oct 3, 23:25 ET
In a conversation that began “how to remove an ex from a mortgage”, after the follow-up message, ChatGPT showed an ad from LegalNature.
Text ad: “Transfer Your Property.”
Fix or choose question · Oct 4, 11:16 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 | 20.0% |
| Long scenario | 25 | 16.7% |
| Comparison | 23 | 15.3% |
| Price | 22 | 14.7% |
| Fix or choose | 22 | 14.7% |
| Short search | 14 | 9.3% |
| Worth it | 14 | 9.3% |
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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