{"citations":{"source_mix":{"company_owned":17,"independent":27,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":9},"total_sources":44,"unique_domain_count":25},"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 Online Refinance Lenders for Fast Rate Quotes and Closing","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Fast digital refinance process to lock in a rate","subject":"loanDepot","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"loanDepot","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"loanDepot","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"loanDepot","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"loanDepot","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.333333333333333,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"loanDepot","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/fast-online-refinance/loandepot.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/fast-online-refinance/loandepot","report_type":"fit_review","study_id":"MCI-STUDY-1ADC743A3DBB","title":"loanDepot Review for Fast Rate Quotes and Closing"},"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.","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 15:41:30.563266+00","research_date":"2026-09-29","source_snapshot_sha256":"f3ca2356042bdf8760a5f54658f7bfb4e586308e8dd3e746b10a019e6dababd2","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":7,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"loanDepot is a mixed fit for a homeowner who wants a fast digital refinance to lock in a rate. Six of the seven included platforms named loanDepot during ranking discovery, and its mello smartloan digital workflow, digital document verification, and remote closing options are the strongest reasons to consider it. The main limitation is speed verification: loanDepot's own refinance FAQ states most transactions may take up to 45 to 60 days, the company has declined to provide an average days-to-close figure, and no platform found a published rate-lock turnaround time. Treat loanDepot as a…","target_buyer":"A homeowner who wants to complete the entire refinance process digitally and close as quickly as possible to capture a favorable rate window.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["online application speed","digital document upload experience","rate lock turnaround time","overall closing timeline"],"geography":"United States","slug":"best-online-refinance-lenders-for-fast-rate-quotes-and-closing","title":"Best Online Refinance Lenders for Fast Rate Quotes and Closing","use_case":"Fast digital refinance process to lock in a rate"}}