{"citations":{"source_mix":{"company_owned":42,"independent":9,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":42,"partial":9},"total_sources":51,"unique_domain_count":18},"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 Credit Union Refinance Lenders for Lower Fees","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":"Refinancing through a member-owned credit union for lower fees","subject":"Navy Federal Credit Union","unit":"rank","value":2},{"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","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Navy Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Navy Federal Credit Union","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Navy Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-007","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":2.8,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Navy Federal Credit Union","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/credit-union-refinance/navy-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/credit-union-refinance/navy-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-7ADDB569B33F","title":"Navy Federal Credit Union Review for Lower Fees"},"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 16:22:58.111372+00","research_date":"2026-09-29","source_snapshot_sha256":"86bf9ea01b29e5e45444fd6f59e66626259bc47b15f090eb2e0d75e9e244843e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":6,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Navy Federal Credit Union is a mixed-to-good fit for refinancing through a member-owned credit union for Lower Fees, but only if you qualify for membership. Five of the seven platforms named it during ranking discovery, with an average listed rank of 2.8 and a best rank of 1. The strongest reason to consider it is a published 1% origination fee that can be exchanged for a 0.25 percentage-point higher rate, plus a no-fee 60-day No-Cost Freedom Lock and company-published 2025 J.D. Power servicing results. The main limitation is that membership is restricted to military, veteran, Department of…","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"}}