{"citations":{"source_mix":{"company_owned":18,"independent":20,"unclear":7},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":7},"total_sources":45,"unique_domain_count":21},"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 Refinance Lenders for Switching from an Adjustable Rate to a Fixed Rate","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Converting an ARM to a fixed-rate mortgage before adjustment","subject":"Bank of America","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Bank of America","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Bank of America","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Bank of America","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.333333333333333,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Bank of America","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/arm-to-fixed-refinance/bank-of-america.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/arm-to-fixed-refinance/bank-of-america","report_type":"fit_review","study_id":"MCI-STUDY-730AA0512562","title":"Bank of America Review for Switching from an Adjustable Rate to a Fixed Rate"},"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.","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 16:06:46.614414+00","research_date":"2026-09-29","source_snapshot_sha256":"48b15dcc141250495eea0fcb24932e8b78861022c620fa5e051b0829f8892ca3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Bank of America is a good — but not automatically best-priced — fit for converting an ARM to a fixed-rate mortgage before adjustment. Three of seven platforms named it during the ranking stage (deepseek, google, perplexity), a 42.9% share of included platform responses, at an average listed rank of 4.33 and a best listed rank of 2. The strongest reason to consider it is a directly relevant fixed-rate refinance product plus published ARM-to-fixed guidance, rate-lock capability, and possible BofA Rewards pricing for existing customers. The main limitation is that no platform found publicly…","target_buyer":"A homeowner with an adjustable-rate mortgage approaching its first or next rate adjustment who wants payment stability.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["fixed-rate conversion pricing","timing guidance before ARM reset","lender expertise with ARM conversions","rate lock options"],"geography":"United States","slug":"best-refinance-lenders-for-switching-from-an-adjustable-rate-to-a-fixed-rate","title":"Best Refinance Lenders for Switching from an Adjustable Rate to a Fixed Rate","use_case":"Converting an ARM to a fixed-rate mortgage before adjustment"}}