{"citations":{"source_mix":{"company_owned":17,"independent":7,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":2},"total_sources":24,"unique_domain_count":8},"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":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Refinancing with minimal home equity available","subject":"Refi.com","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Refi.com","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Refi.com","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Refi.com","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Refi.com","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/high-ltv-limited-equity-refinance/refi-com.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/high-ltv-limited-equity-refinance/refi-com","report_type":"fit_review","study_id":"MCI-STUDY-531D76049510","title":"Refi.com 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.","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 15:28:08.408709+00","research_date":"2026-09-29","source_snapshot_sha256":"731d10a14a428b9476e534fe6263901a7d717f0b067400b34e4a10dca5675226","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Refi.com is a mixed fit for refinancing with minimal home equity available. Two of the six platforms that evaluated fit named Refi.com during the ranking stage, and both placed it sixth, giving it a 33.3% share of included platform responses and an average listed rank of 6.0. The strongest reason to consider it is that Refi.com advertises rate-and-term refinancing, FHA and VA streamline options, and no origination fees, which could improve break-even economics for a borrower with only 3%–10% equity (openai:refi-home). The main limitation is that no reviewed public page verifies a…","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"}}