{"citations":{"source_mix":{"company_owned":25,"independent":6,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":4},"total_sources":31,"unique_domain_count":10},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best High-LTV Refinance Lenders for Borrowers with Limited Equity","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing with minimal home equity available","subject":"Freedom Mortgage","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Freedom Mortgage","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":"Freedom Mortgage","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Freedom Mortgage","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Freedom Mortgage","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Freedom Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Freedom Mortgage","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/high-ltv-limited-equity-refinance/freedom-mortgage.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/high-ltv-limited-equity-refinance/freedom-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-2163442BFBA5","title":"Freedom Mortgage Review for Borrowers with Limited Equity"},"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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["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 15:20:46.433252+00","research_date":"2026-09-29","source_snapshot_sha256":"02b80c4be8924eab2dd35c0b7b63860808223732d0cc20b2bcc9cbfe146d3240","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Freedom Mortgage is a good fit for one specific borrower: an existing FHA or VA homeowner with roughly 3% to 10% equity who wants a rate-and-term streamline refinance. Two of the six platforms that evaluated fit named Freedom Mortgage during ranking discovery, at an average listed rank of 3.0 (best rank 2). The strongest reason to consider it is that its advertised FHA Streamline and VA IRRRL products typically avoid a new appraisal, so thin equity matters less than in a conventional refinance. The main limitation is eligibility: these programs serve existing FHA or VA loans, not…","target_buyer":"A homeowner with only 3 to 10 percent equity in their home who still wants to refinance for a better rate despite a high loan-to-value ratio.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["maximum LTV allowed","high-LTV program availability","PMI cost at high LTV","underwriting flexibility"],"geography":"United States","slug":"best-high-ltv-refinance-lenders-for-borrowers-with-limited-equity","title":"Best High-LTV Refinance Lenders for Borrowers with Limited Equity","use_case":"Refinancing with minimal home equity available"}}