{"citations":{"source_mix":{"company_owned":163,"independent":125,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":202,"partial":60},"total_sources":290,"unique_domain_count":75},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Jumbo Mortgage Refinance Lenders","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"Rocket Mortgage","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Rocket Mortgage","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"Chase","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Chase","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"Bank of America","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Bank of America","unit":"platforms","value":5},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"U.S. Bank","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"U.S. Bank","unit":"platforms","value":5},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"Navy Federal Credit Union","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Navy Federal Credit Union","unit":"platforms","value":4},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"SoFi","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"SoFi","unit":"platforms","value":4},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","openai"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"PNC Bank","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"PNC Bank","unit":"platforms","value":2},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"Wells Fargo","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Wells Fargo","unit":"platforms","value":2},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"Lower.com Jumbo Refinance","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lower.com Jumbo Refinance","unit":"platforms","value":2},{"claim_id":"claim-020","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"Citibank","unit":"rank","value":10},{"claim_id":"claim-021","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Citibank","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.333333333333333,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Rocket Mortgage","platform_mentions":6,"platform_share":0.8571428571428571},{"average_rank":2.2,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Chase","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":4.6,"best_rank":2,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Bank of America","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":5.4,"best_rank":1,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"U.S. Bank","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":3.75,"best_rank":1,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"Navy Federal Credit Union","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":6.75,"best_rank":2,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"SoFi","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":1.5,"best_rank":1,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"PNC Bank","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":2.5,"best_rank":1,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"Wells Fargo","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":5,"best_rank":3,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Lower.com Jumbo Refinance","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":6,"best_rank":3,"entity_id":"entity-010","entity_type":"company","final_rank":10,"name":"Citibank","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/jumbo-refinance.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/jumbo-refinance","report_type":"best_of_index","study_id":"MCI-STUDY-F5D061DCFC6F","title":"Best Jumbo Mortgage Refinance Lenders (2026)"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, 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":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","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 14:53:32.491812+00","research_date":"2026-09-29","source_snapshot_sha256":"8a95f7c14f9d4394415f45dfc12e6aa536153389f1a05ef293fe9aa11a1fd06c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Rocket Mortgage is the consensus leader for refinancing a loan balance above conforming limits, named by 6 of 7 platforms (85.7%) with an average listed position of 4.33 and a best position of 1. Chase is the strongest alternative for ultra-high balances and relationship pricing, and Bank of America and U.S. Bank follow as national-bank options with published jumbo programs. Navy Federal Credit Union is the standout for eligible military-community borrowers, while SoFi, PNC Bank, Wells Fargo, Lower.com Jumbo Refinance, and Citibank round out the qualifying set. This study covered 7 platforms…","target_buyer":"A homeowner whose mortgage balance exceeds conforming loan limits and needs a lender that specializes in jumbo refinance underwriting.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["jumbo refinance rate competitiveness","maximum loan amount supported","underwriting flexibility for high balances","reserve requirements"],"geography":"United States","slug":"best-jumbo-mortgage-refinance-lenders","title":"Best Jumbo Mortgage Refinance Lenders","use_case":"Refinancing a loan balance above conforming limits"}}