{"citations":{"source_mix":{"company_owned":25,"independent":9,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":5},"total_sources":34,"unique_domain_count":14},"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","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-003","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-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Navy Federal Credit Union","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Navy Federal Credit Union","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Navy Federal Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.75,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Navy Federal Credit Union","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/jumbo-refinance/navy-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/jumbo-refinance/navy-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-AE94808A5636","title":"Navy Federal Credit Union 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.","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 14:40:26.363618+00","research_date":"2026-09-29","source_snapshot_sha256":"7f057386e569963f768e4b406a274d1c26891048bb69e9ebabdbc35d2930a0ee","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Navy Federal Credit Union is a good fit for eligible military-community borrowers refinancing a jumbo balance up to approximately $2,000,000, especially those who want a fixed-rate product and the No-Refi Rate Drop feature. Four of the seven platforms in this study named Navy Federal during the ranking stage, a 57% share of included platform responses, with an average listed rank of 3.75 and a best rank of 1. The strongest reason to consider it is a clearly relevant Jumbo Fixed refinance product with published pricing and a stated range up to $2,000,000. The main limitation is that reserve…","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"}}