{"citations":{"source_mix":{"company_owned":18,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":5},"total_sources":37,"unique_domain_count":20},"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 Cash-Out Refinance Lenders","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"Accessing home equity as cash through refinancing","subject":"Figure","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Figure","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Figure","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Figure","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Figure","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/cash-out-refinance/figure.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/cash-out-refinance/figure","report_type":"fit_review","study_id":"MCI-STUDY-B702B7E2A7F1","title":"Figure Review for Cash-Out 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 13:45:16.978997+00","research_date":"2026-09-29","source_snapshot_sha256":"0b56bc5fb8131fad22288d2fda66701b85e33c46d33cafdfb10ff01d939d3fca","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Figure is a mixed fit for Accessing home equity as cash through refinancing. Two of the seven platforms in the ranking stage named Figure, and it reached the finalist list at rank 8 with an average listed rank of 5.5 and a best rank of 1. The strongest reason to consider it is speed: Figure advertises a digital cash-out refinance with funding in as few as five business days and no in-person appraisal for loans under $400,000. The main limitation is that Figure's public materials do not verify the maximum cash-out LTV, current rate pricing, exact origination fee, or state availability, and…","target_buyer":"A homeowner with significant built-up equity who wants to refinance into a larger loan to receive a lump sum of cash.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["maximum cash-out LTV allowed","cash-out rate pricing","appraisal requirements","funding speed","use-of-funds flexibility"],"geography":"United States","slug":"best-cash-out-refinance-lenders","title":"Best Cash-Out Refinance Lenders","use_case":"Accessing home equity as cash through refinancing"}}