{"citations":{"source_mix":{"company_owned":19,"independent":15,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":8},"total_sources":34,"unique_domain_count":11},"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 Online Mortgage Lenders for Fast Closing","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"fast closing competitive offer","subject":"Tomo Mortgage","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Tomo Mortgage","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Tomo Mortgage","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Tomo Mortgage","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Tomo Mortgage","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Tomo Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.6666666666666665,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Tomo Mortgage","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/fast-closing-competitive-offer/tomo-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/fast-closing-competitive-offer/tomo-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-C31053D27D4E","title":"Tomo Mortgage Review for Fast Closing"},"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 12:16:09.981153+00","research_date":"2026-09-29","source_snapshot_sha256":"eabf87a30752e187951f32d63dc2fabf750261df9e0891139015e6932cb53bcd","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Tomo Mortgage is a good, but not risk-free, fit for a buyer who needs a Fast Closing in a competitive offer situation. Three of the seven platforms that evaluated this use case named Tomo during ranking discovery, at an average listed rank of 2.67 and a best rank of 2. Its strongest case rests on a company-stated conventional closing window of 12–21 days, digital-first underwriting with linked-account asset verification, underwritten pre-approvals reported in minutes to hours, and $0 advertised lender fees. The main limitation is that most speed and on-time claims are company-reported:…","target_buyer":"A buyer in a competitive market with a tight closing deadline who needs rapid digital underwriting.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["average time to close","digital underwriting automation","pre-approval turnaround speed","online document processing","communication responsiveness"],"geography":"United States","slug":"best-online-mortgage-lenders-for-fast-closing","title":"Best Online Mortgage Lenders for Fast Closing","use_case":"fast closing competitive offer"}}