{"citations":{"source_mix":{"company_owned":16,"independent":8,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":8},"total_sources":28,"unique_domain_count":12},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Refinance Lenders for High Debt-to-Income Ratio Borrowers","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"final_consensus_rank","qualifier":"Refinancing approval despite an elevated debt-to-income ratio","subject":"Angel Oak Mortgage Solutions","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Angel Oak Mortgage Solutions","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/high-dti-refinance/angel-oak-mortgage-solutions.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/high-dti-refinance/angel-oak-mortgage-solutions","report_type":"fit_review","study_id":"MCI-STUDY-A15F38A6D9C0","title":"Angel Oak Mortgage Solutions Review for High Debt-to-Income Ratio Borrowers"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"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 17:04:30.144529+00","research_date":"2026-09-29","source_snapshot_sha256":"f4badac6967193894a55f29b5e82995b87cb2c945ecb90721a046c121cbfc374","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":35,"qualified_finalists":6,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Angel Oak Mortgage Solutions is a good fit for refinancing approval despite an elevated debt-to-income ratio, but only for specific borrower profiles. Two of the six included platforms named Angel Oak during the ranking stage, and all six evaluated its fit for this use case. The strongest reason to consider it: the company publicly states its Asset Qualifier program requires no employment income and no DTI, and its Portfolio Select program publishes a DTI ceiling of 50% . The main limitation: Asset Qualifier requires at least $500,000 in post-closing assets, and Portfolio Select's 50% DTI…","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"}}