{"citations":{"source_mix":{"company_owned":17,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":18,"partial":7},"total_sources":38,"unique_domain_count":22},"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":["deepseek","google"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"Citibank","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Citibank","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Citibank","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Citibank","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Citibank","unit":"platforms","value":4},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Citibank","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":3,"entity_id":"entity-001","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/citibank.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/jumbo-refinance/citibank","report_type":"fit_review","study_id":"MCI-STUDY-29C36A99CC87","title":"Citibank 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.","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 14:51:07.08251+00","research_date":"2026-09-29","source_snapshot_sha256":"5636a124f8949dff55ceab391575f71815d7d455195a6327de23106b55ec9aaf","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Citibank is a mixed fit for Refinancing a loan balance above conforming limits. Two of the seven platforms in this study named Citibank during the ranking stage, and its fit ratings across all seven ranged from strong to uncertain. The strongest reason to consider it is relationship pricing: eligible Citi balances can cut the first-mortgage rate by up to 0.500% or provide closing-cost credits, which matters on a large jumbo balance. The main limitation is disclosure. Citi's public materials do not verify a maximum jumbo refinance loan amount, reserve requirements, or high-balance…","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"}}