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The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 16:29:22.109167+00","research_date":"2026-09-29","source_snapshot_sha256":"d24d7635dc0a45c22257133ae9ee247bd224cf8fbbcaeac89c232c0b614fd1f9","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":6,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"AA Credit Union ranks first in this 7-platform consensus index on credit union refinance lending, named by all seven platforms, but the ranking is not a clean endorsement: the entity's identity is unresolved because the supplied domain resolves to Service Credit Union rather than an institution branded AA Credit Union, and no reviewed source verifies a refinance-specific member fee waiver. Navy Federal Credit Union is the strongest alternative for military- and Department of Defense-connected borrowers, particularly VA IRRRL candidates. Alliant Credit Union suits digitally comfortable…","target_buyer":"A homeowner eligible for credit union membership who wants a refinance with lower fees and member-based rate discounts.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["membership eligibility ease","refinance-specific fee structure","member rate discounts","servicing quality after closing"],"geography":"United States","slug":"best-credit-union-refinance-lenders-for-lower-fees","title":"Best Credit Union Refinance Lenders for Lower Fees","use_case":"Refinancing through a member-owned credit union for lower fees"}}