{"citations":{"source_mix":{"company_owned":16,"independent":21,"unclear":5},"sources_referenced_by_questions":0,"support_mix":{"direct":38,"partial":4},"total_sources":42,"unique_domain_count":24},"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":["anthropic","deepseek"],"predicate":"final_consensus_rank","qualifier":"Converting an ARM to a fixed-rate mortgage before adjustment","subject":"loanDepot","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"loanDepot","unit":"platforms","value":2},{"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":"loanDepot","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"loanDepot","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"loanDepot","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"loanDepot","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/arm-to-fixed-refinance/loandepot.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/arm-to-fixed-refinance/loandepot","report_type":"fit_review","study_id":"MCI-STUDY-7A914505175D","title":"loanDepot 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.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","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 16:15:43.896895+00","research_date":"2026-09-29","source_snapshot_sha256":"dc9b979e56927a1ddb73f577d44d63861b1630721a2a3381b0a47cecf88c0efc","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"loanDepot is a good fit for a homeowner converting an ARM to a fixed-rate mortgage before adjustment, but it is not a proven best fit on price. Two of the seven platforms in this study named loanDepot during the ranking stage, and both placed it second. Its strongest advantage is that it explicitly supports ARM-to-fixed refinancing, offers rate locking, and provides both digital tools and licensed lending-officer assistance. The main limitation is that no platform verified a dedicated ARM-conversion advisory or reset-timing service, and no public, borrower-specific pricing exists without a…","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"}}