{"citations":{"source_mix":{"company_owned":13,"independent":30,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":34,"partial":8},"total_sources":44,"unique_domain_count":27},"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","kimi"],"predicate":"final_consensus_rank","qualifier":"Accessing home equity as cash through refinancing","subject":"United Wholesale Mortgage","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"United Wholesale Mortgage","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"United Wholesale Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"United Wholesale Mortgage","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"United Wholesale Mortgage","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"United Wholesale Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"United Wholesale Mortgage","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/cash-out-refinance/united-wholesale-mortgage.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/cash-out-refinance/united-wholesale-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-9AE174820EE8","title":"United Wholesale Mortgage 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 13:43:17.19878+00","research_date":"2026-09-29","source_snapshot_sha256":"8f66015cdaaf72eb9b1a355dcfd8994224797f576ab938c898eb0dd28d5b45c7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"United Wholesale Mortgage (UWM) is a good fit for a qualifying primary-residence homeowner who wants high-LTV cash-out refinancing, particularly someone with at least 680 FICO who may benefit from borrowing between 80.01% and 89.99% LTV without mortgage insurance. Two of the seven platforms that evaluated this use case named UWM during the ranking stage, at an average listed rank of 3.0 and a best rank of 2. The strongest reason to consider it is the Conventional Cash-Out 90 product's advertised 89.99% LTV ceiling with no mortgage insurance. The main limitation is that UWM is wholesale-only:…","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"}}