{"citations":{"source_mix":{"company_owned":26,"independent":12,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":4},"total_sources":39,"unique_domain_count":16},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Refinance Lenders for Non-Warrantable Condos","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","openai"],"predicate":"final_consensus_rank","qualifier":"Refinancing a condo that fails standard warrantability rules","subject":"First National Bank of America","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","openai"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"First National Bank of America","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"First National Bank of America","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"First National Bank of America","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"First National Bank of America","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.6666666666666665,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"First National Bank of America","platform_mentions":3,"platform_share":0.5}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/non-warrantable-condo-refinance/first-national-bank-of-america.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/non-warrantable-condo-refinance/first-national-bank-of-america","report_type":"fit_review","study_id":"MCI-STUDY-CBAEE7CC583E","title":"First National Bank of America Review for Non-Warrantable Condos"},"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.","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":["anthropic","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 16:39:55.527518+00","research_date":"2026-09-29","source_snapshot_sha256":"812f2d75c21d4d36f1eff606e94ea8328bcd5d943e4ccdf9a98ee2c680311e93","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":9,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"First National Bank of America (FNBA) is a good fit for refinancing a condo that fails standard warrantability rules, with meaningful verification required. Three of six platforms named FNBA during the ranking stage, and it finished with an average listed rank of 2.67 and a best rank of 1. Its strongest advantage is an explicitly marketed Non-QM program for Non-Warrantable Condos that advertises up to 80% financing, loan amounts up to $3,000,000, and no condo questionnaire required. The main limitation is transparency: no public rate sheet, no quantified non-warrantable rate premium, and no…","target_buyer":"A condo owner whose building does not meet standard agency warrantability requirements and needs a specialized refinance option.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["non-warrantable condo lending expertise","portfolio loan availability","rate premium for non-warrantable status","HOA documentation requirements"],"geography":"United States","slug":"best-refinance-lenders-for-non-warrantable-condos","title":"Best Refinance Lenders for Non-Warrantable Condos","use_case":"Refinancing a condo that fails standard warrantability rules"}}