{"citations":{"source_mix":{"company_owned":13,"independent":13,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":6},"total_sources":27,"unique_domain_count":13},"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","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Fast digital refinance process to lock in a rate","subject":"Tomo Mortgage","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Tomo Mortgage","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Tomo Mortgage","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Tomo Mortgage","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Tomo Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.6666666666666667,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Tomo Mortgage","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/fast-online-refinance/tomo-mortgage.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/fast-online-refinance/tomo-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-665E8DD72237","title":"Tomo Mortgage 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.","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 15:49:39.57047+00","research_date":"2026-09-29","source_snapshot_sha256":"163eaaa8b96a4a7105ae068eec96af9d7c780dd76333aa18b86514655560e4be","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":7,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Tomo Mortgage is a good fit for a homeowner who wants a fully digital refinance and a fast rate lock, with verification required. Three of seven platforms named Tomo during the ranking stage (anthropic, kimi, perplexity), at an average listed rank of 1.67 and a best rank of 1. The strongest reason to consider it is the combination of a digital-first application, instant account verification, advertised rate-lock protection through closing, and company-reported refinance closings of 12–21 days (, -2, ). The main limitation is that nearly all speed and fee claims are company-reported, and…","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"}}