{"citations":{"source_mix":{"company_owned":24,"independent":14,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":7},"total_sources":39,"unique_domain_count":14},"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","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing approval despite an elevated debt-to-income ratio","subject":"Rocket Mortgage","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Rocket Mortgage","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Rocket Mortgage","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Rocket Mortgage","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Rocket Mortgage","platform_mentions":3,"platform_share":0.5}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/high-dti-refinance/rocket-mortgage.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/high-dti-refinance/rocket-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-27D36F6DBFAC","title":"Rocket Mortgage 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.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","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 16:55:41.619258+00","research_date":"2026-09-29","source_snapshot_sha256":"1964d8baa2ba76246fdb2bf7cfdeff327c3b7fdbfda8fc44b8fad282b1ba2c23","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":35,"qualified_finalists":6,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Rocket Mortgage is a mixed fit for refinancing approval despite an elevated debt-to-income ratio. Three of six platforms named it during the ranking stage — half of included platform responses — at an average listed rank of 3.67 and a best rank of 1. The strongest reason to consider it is program breadth: Rocket publicly describes conventional refinance qualification up to a stated 50% DTI ceiling, FHA Streamline options for existing FHA borrowers, and RefiNow/Refi Possible references with DTI up to 65% . The main limitation is that no reviewed public source confirms Rocket will manually…","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"}}