{"citations":{"source_mix":{"company_owned":15,"independent":22,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":10},"total_sources":37,"unique_domain_count":19},"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","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-003","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-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Bank of America","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Bank of America","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Bank of America","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.6,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Bank of America","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/jumbo-refinance/bank-of-america.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/jumbo-refinance/bank-of-america","report_type":"fit_review","study_id":"MCI-STUDY-2F14055A83B4","title":"Bank of America Review for Jumbo Refinancing"},"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.","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":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 14:38:23.166839+00","research_date":"2026-09-29","source_snapshot_sha256":"9771852f51fa67ff0010f7ee07d975abf7ce57dd53de0f3a038c64c7e90bacb9","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Bank of America is a mixed-to-good fit for Refinancing a loan balance above conforming limits. Five of seven platforms named it during the ranking stage (71.4% of included platform responses), at an average listed rank of 4.6 and a best rank of 2. Its strongest case is capacity plus relationship pricing: independent reviews report jumbo limits up to $5 million on owner-occupied homes and BofA Rewards rate or fee reductions for eligible tiers (anthropic:citation-1, , ). The main limitation is transparency: no reviewed public source verifies a jumbo-specific maximum, jumbo reserve rule, or…","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"}}