{"citations":{"source_mix":{"company_owned":18,"independent":20,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":8},"total_sources":38,"unique_domain_count":16},"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","grok"],"predicate":"final_consensus_rank","qualifier":"Refinancing a loan balance above conforming limits","subject":"SoFi","unit":"rank","value":6},{"claim_id":"claim-003","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-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"SoFi","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"SoFi","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"SoFi","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"SoFi","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.75,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"SoFi","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/jumbo-refinance/sofi.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/jumbo-refinance/sofi","report_type":"fit_review","study_id":"MCI-STUDY-8575A646090E","title":"SoFi 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 14:45:12.804781+00","research_date":"2026-09-29","source_snapshot_sha256":"327c9cc738f1ce32c43c6546fbb72d7641384d799893dfc3bfdca339f6105b36","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"SoFi is a mixed-to-good fit for Refinancing a loan balance above conforming limits, depending on how much certainty a borrower needs before applying. Four of seven platforms named SoFi during the ranking stage (57.1% of included platform responses), at an average listed rank of 6.75 and a best listed rank of 2. The strongest reason to consider it is a stated jumbo ceiling of up to $3 million with no PMI and a digital application process (-1, google:citationsofijumbofaq). The main limitation is that SoFi does not publicly establish a binding maximum jumbo refinance balance, jumbo-specific…","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"}}