# Shoppable Closing Service Coverage Map

Map which closing services the borrower can shop for against the services listed on the loan estimate.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The services on the loan estimate, which are shoppable, and the quotes gathered.

## Workflow
1. List the services on the loan estimate.
2. Mark the ones the borrower can shop for.
3. Note services locked to the lender’s provider.
4. Return the map without provider changes.

## Output contract
service | shoppable | provider_chosen_by | quoted_fee

## Fictional acceptance test
Fictional loan estimate lists 8 closing services; 5 are shoppable and 3 are fixed to the lender’s provider: the buyer gathered competing quotes for 1 of the 5 shoppable services, leaving 4 shopped on a single quote.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-required-mortgage-closing-services-can-i-shop-for-en-154/

Checked October 21, 2026. Oct17 live AIS Search Console (sc-domain property, tej@groweasy.ai, Saturday audit): Oct 9-15 complete week 22 clicks, 937 impressions, 2.3% CTR, position 10.6, day-row verified. Top queries: Muse India 125i (3-month), Planable/Claude social agent 45i, marketing Copilot 37i, Planable/ChatGPT 24i, investor agents 19i, Copilot investment-committee 14i, cash flow forecasting 13i, campaign brief 12i. Google Trends verified Oct 17: muse glimmer/spark rising. Site impressions are query leads, not monthly volumes; exact topic volume is unmeasured.