{"citations":{"source_mix":{"company_owned":22,"independent":9,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":6},"total_sources":31,"unique_domain_count":12},"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","google","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Accessing home equity as cash through refinancing","subject":"Navy Federal Credit Union","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Navy Federal Credit Union","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Navy Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Navy Federal Credit Union","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Navy Federal Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.8,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Navy Federal Credit Union","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/cash-out-refinance/navy-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/cash-out-refinance/navy-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-01B827F7BF4F","title":"Navy Federal Credit Union 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.","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 13:29:36.731703+00","research_date":"2026-09-29","source_snapshot_sha256":"b85bc595c6ab3c7ffb6ff25ecefdb9e257437d195b225222228698805a3fc3a7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Navy Federal Credit Union is a good fit for eligible military-affiliated homeowners who want to replace their existing mortgage with a larger loan and receive a lump-sum cash payment, especially VA borrowers who may qualify for financing up to 100% of appraised value . Five of seven platforms named Navy Federal during the ranking stage, a 71% share, at an average listed rank of 3.8 and a best rank of 1 (google, openai). The strongest reason to consider it is high-LTV VA cash-out capacity plus broad stated use-of-funds flexibility (, -18). The main limitation is transparency: exact…","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"}}