{"citations":{"source_mix":{"company_owned":15,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":4},"total_sources":29,"unique_domain_count":15},"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 Refinance Lenders for Divorce Buyouts and Removing a Co-Borrower","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok"],"predicate":"final_consensus_rank","qualifier":"Refinancing to remove a co-borrower after divorce or separation","subject":"District Lending","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"District Lending","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"District Lending","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"District Lending","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"District Lending","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"weak","subject":"District Lending","unit":"platforms","value":1},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"District Lending","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"District Lending","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/divorce-buyout-refinance/district-lending.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/divorce-buyout-refinance/district-lending","report_type":"fit_review","study_id":"MCI-STUDY-D7533CCEF70F","title":"District Lending Review for Divorce Buyouts and Removing a Co-Borrower"},"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.","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 16:23:18.831537+00","research_date":"2026-09-29","source_snapshot_sha256":"97f64513556f137d5dda46851bf6686cf94557cfb0bb0961dd6126d6accdf341","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"District Lending is a mixed fit for refinancing to remove a co-borrower after divorce or separation. Two of seven platforms named it during the ranking stage, and those two placed it at ranks 6 and 2. Its strongest asset is explicit, public divorce-buyout content covering co-borrower release, limited cash-out versus cash-out treatment, Owelty liens, decree language, and quitclaim timing. The main limitation is that nearly all of that evidence is company-owned marketing: no public rate sheet, fee schedule, or product matrix exists, owner-occupied state availability is unclear, and independent…","target_buyer":"A divorcing or separating homeowner who needs to refinance solely into their own name and buy out their former co-owner's equity share.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["co-borrower removal process expertise","buyout cash-out flexibility","quitclaim deed handling","court order documentation support"],"geography":"United States","slug":"best-refinance-lenders-for-divorce-buyouts-and-removing-a-co-borrower","title":"Best Refinance Lenders for Divorce Buyouts and Removing a Co-Borrower","use_case":"Refinancing to remove a co-borrower after divorce or separation"}}