{"citations":{"source_mix":{"company_owned":19,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":4},"total_sources":31,"unique_domain_count":18},"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":["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-003","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-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lower.com Jumbo Refinance","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Lower.com Jumbo Refinance","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Lower.com Jumbo Refinance","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Lower.com Jumbo Refinance","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/jumbo-refinance/lower-com-jumbo-refinance.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/jumbo-refinance/lower-com-jumbo-refinance","report_type":"fit_review","study_id":"MCI-STUDY-01AE1818365F","title":"Lower.com Jumbo Refinance 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 14:49:44.129702+00","research_date":"2026-09-29","source_snapshot_sha256":"009fed0add85676bada53a5341a554f2d59403fdf4a63f994daaba30b596d340","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Lower.com Jumbo Refinance is a mixed fit for Refinancing a loan balance above conforming limits. Two of seven platforms named it during the ranking stage, and its average listed rank was 5.0 (best rank 3). The strongest reason to consider it is a dedicated Jumbo 30-Year Refinance product with published sample pricing, a digital application, and no-impact pre-qualification. The main limitation is that Lower does not publicly disclose a maximum jumbo loan amount, specific reserve requirements, or jumbo-specific credit and DTI floors, so buyers cannot confirm feasibility for very large balances…","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"}}