Vantage research · November 2026 · finance
What AI cites for “how to refinance a mortgage”
ChatGPT cited 3 sites, Gemini cited 0 sites, Perplexity cited 9 sites. No site was cited by all three.
Updated every 3 monthsNext edition 1 February 2027
ChatGPTGeminiPerplexity dots beside a site: the other engines that cite it too
ChatGPT
3 sites · opens with a sentence · has a table · opening 31 words
- myhome.freddiemac.com
- consumerfinance.gov
- nerdwallet.com
Brands namednone
Since October: new nerdwallet.com
Gemini
0 sites · opens with a sentence · no table · opening 25 words
Answered from what the model already knows: no sites cited.
Brands namedDetermine Your Goal, Rate-and-Term Refinance, Cash-Out Refinance, Check Your Financial Health, Credit Score, Home Equity, Debt-to-Income, Crunch the Numbers
Same sites as October.
Perplexity
9 sites · opens with a sentence · no table · opening 26 words
- bmo.com
- pnc.com
- chase.com
- afcu.org
- us.hsbc.com
- nerdwallet.com
- experian.com
- td.com
- morty.com
Brands namednone
Since October: new chase.com, afcu.org, us.hsbc.com, nerdwallet.com; dropped bankofamerica.com, bankrate.com, bloomberg.com, cnb.com
Cited by more than one engine
- nerdwallet.com
Is your site one of them?
Ask your AI agent to run Vantage's analyze_citation_coverage for your domain and “how to refinance a mortgage”, on all
three engines, and it will tell you whether you are cited, who is instead, and what changed since your last check.
More finance questions
Each engine was asked once, in English, as from the United States, on 2026-11-01. Answers change from run to run, so read this as a snapshot. Download the data.