Independent research. A clearer mortgage perspective.
MortgageConsensus Index
Explore rankings
Independent AI mortgage research

More perspectives.
A clearer path
to your mortgage.

See which mortgage lenders leading AI platforms recommend—and where they agree. Independent research to help you make a more informed shortlist.

Explore mortgage rankings How we rank
Published methodology No loan applications Open research
Consensus snapshotSep 29, 2026

Buying your first home?
Start with the research.

First-time homebuyer guidance · 7 AI platforms

LenderRecommendation coverage
01
Rocket Mortgage6 of 7 platforms
85.7%
02
Bank of America5 of 7 platforms
71.4%
03
Guild Mortgage4 of 7 platforms
57.1%
04
Wells Fargo4 of 7 platforms
57.1%
One question. Multiple perspectives.Read the full study

AI recommendation coverage, not a customer rating or loan offer.

Different models. A broader perspective.
ChatGPTClaudeGeminiPerplexityGrokDeepSeekKimi
75Published consensus studies
7AI platforms in the research
656Individual lender fit reviews
5Mortgage research categories
Find your starting point

Research for your next move.

Different mortgage needs deserve different comparisons.

Browse all research

Home purchase

From your first home to your next move. Compare lenders for the way you buy.

15 consensus studies

Refinance

Explore lenders for a new rate, a new term, or access to your home’s equity.

15 consensus studies

Home equity

Research home equity loans and HELOCs for your next financial decision.

15 consensus studies

Investment & non-QM

A closer look at rental financing and alternative mortgage qualification.

15 consensus studies

Reverse mortgages

Understand provider options for accessing equity later in life.

15 consensus studies
Behind the index

One recommendation
is a starting point.
Consensus adds context.

We bring multiple AI perspectives together, so you can see the agreement, the differences, and the evidence.

Explore the methodology
01

Ask the same question

Each study starts with a specific mortgage need and a consistent research prompt.

02

Compare the answers

We identify lenders across usable platform responses and measure recommendation coverage.

03

Publish the evidence

Read the rankings alongside the research date, source record, and limitations.

From the research desk

A closer look at your options.

Recent consensus studies, organized around real borrowing needs.

All consensus studies
Home purchase

Best Mortgage Lenders for Multi-Unit Owner-Occupied Purchase (2-4 Units) (2026)

Compare the best mortgage lenders for buying a duplex, triplex, or fourplex to live in, including FHA, conventional, and VA options ranked for 2026.

Sep 29, 2026
Refinance

Best Refinance Lenders for High Debt-to-Income Ratio Borrowers (2026)

Compare six refinance lenders for high debt-to-income borrowers, including Carrington, Rocket, and Navy Federal, and see which fits your DTI and assets.

Sep 29, 2026
Home equity

Best HELOC Lenders for Business Owners Using Home Equity for Business Capital (2026)

Compare the best HELOC lenders for business owners using home equity for business capital in 2026, including Figure, Spring EQ, and Navy Federal Credit Union.

Sep 29, 2026
Context matters

Data tells part of the story.
Transparency tells the rest.

A frequently recommended lender isn’t automatically the right lender for you. Our research makes the source of each finding clear, and keeps factual review separate from the rankings.

Our editorial standards

Stephen Seidler

Mortgage Research Reviewer

Stephen reviews mortgage terminology, factual context, and consumer-facing information in our articles. The Mortgage Index Publishing Team publishes the research; the underlying AI data determines the rankings.

Meet the reviewer
Read with confidence

Know what’s behind the numbers.

What does consensus mean?

Understand recommendation coverage, platform agreement, and how to read a ranking.

Read more

Where the research stops

Every study has a scope. Learn what AI recommendations can—and can’t—tell you.

Read more

Your mortgage, your decision

Use the research to prepare questions, then verify loan terms directly with a provider.

Read more