{"citations":{"source_mix":{"company_owned":23,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":16,"partial":9},"total_sources":37,"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":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing to remove a co-borrower after divorce or separation","subject":"Lower","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lower","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lower","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Lower","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Lower","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Lower","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/divorce-buyout-refinance/lower.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/divorce-buyout-refinance/lower","report_type":"fit_review","study_id":"MCI-STUDY-14D11D5264BA","title":"Lower 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.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","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 16:24:24.239201+00","research_date":"2026-09-29","source_snapshot_sha256":"e62489dee6d8eb4687594675824ebcd12d59da4e306c4fb6112356394b8c5f3e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Lower is a mixed-to-good fit for refinancing to remove a co-borrower after divorce or separation, but it is not a demonstrated divorce-buyout specialist. Two of seven platforms named Lower during the ranking stage, at an average listed rank of 4.0 and a best rank of 4. Its strongest case is that Lower publishes detailed divorce-refinance guidance and supports Fannie Mae limited cash-out buyout structures, which can price better than a standard cash-out refinance (-17, , grok:). The main limitation: no public evidence establishes a dedicated co-borrower-removal program, quitclaim-deed…","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"}}