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(2026)"},"limitations":["Exactly 6 platforms were included in this run: openai, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-29 17:02:56.337922+00","research_date":"2026-09-29","source_snapshot_sha256":"4cce809a8839782fb44a240d03045040fc5098f7f8b085010573a775439581f1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":35,"qualified_finalists":6,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Carrington Mortgage Services is the consensus leader for refinancing approval despite an elevated debt-to-income ratio, named by 3 of 6 platforms (50.0%) at an average listed position of 3.67 and a best position of 1. Rocket Mortgage ties Carrington on mentions and average rank but placed second on best position. Navy Federal Credit Union is the strongest alternative for VA-eligible borrowers, Better Mortgage for automated conventional files near 50% DTI, Griffin Funding for self-employed and asset-rich borrowers, and Angel Oak Mortgage Solutions for borrowers with at least $500,000 in…","target_buyer":"A homeowner whose total debt payments relative to income exceed standard refinance guidelines and needs flexible underwriting to qualify.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["DTI flexibility","manual underwriting availability","accepted compensating factors","program options for high DTI"],"geography":"United States","slug":"best-refinance-lenders-for-high-debt-to-income-ratio-borrowers","title":"Best Refinance Lenders for High Debt-to-Income Ratio Borrowers","use_case":"Refinancing approval despite an elevated debt-to-income ratio"}}