{"citations":{"source_mix":{"company_owned":25,"independent":30,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":43,"partial":12},"total_sources":55,"unique_domain_count":29},"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":["anthropic","deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Accessing home equity as cash through refinancing","subject":"LoanDepot","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"LoanDepot","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"LoanDepot","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"LoanDepot","unit":"platforms","value":3},{"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":6,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"LoanDepot","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/cash-out-refinance/loandepot.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/cash-out-refinance/loandepot","report_type":"fit_review","study_id":"MCI-STUDY-C2F37475D515","title":"LoanDepot 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.","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 13:39:15.589438+00","research_date":"2026-09-29","source_snapshot_sha256":"f9a47d2e717a9645faa4e8cbebd09d56b342375b5cc1443011281df0abbcfbd4","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"LoanDepot is a mixed-to-good fit for Accessing home equity as cash through refinancing. Three of the seven platforms that evaluated fit named LoanDepot during the ranking stage, and its average listed rank across those three was 6.0, with a best rank of 3. The strongest reason to consider it is that LoanDepot explicitly markets a dedicated cash-out refinance product across conventional, FHA, VA, and jumbo programs, and existing borrowers may qualify for waived lender fees under its Lifetime Guarantee. The main limitation is transparency: LoanDepot does not publish cash-out rates, a…","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"}}