{"citations":{"source_mix":{"company_owned":12,"independent":6,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":8,"partial":10},"total_sources":18,"unique_domain_count":7},"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","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing a condo that fails standard warrantability rules","subject":"Lower Mortgage","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Lower Mortgage","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Lower Mortgage","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Lower Mortgage","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Lower Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Lower Mortgage","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/non-warrantable-condo-refinance/lower-mortgage.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/non-warrantable-condo-refinance/lower-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-28144C43D9ED","title":"Lower Mortgage 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.","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 16:50:32.589939+00","research_date":"2026-09-29","source_snapshot_sha256":"42d7cfc3516c46943a084affbd006245e0c4256ced35ae79483ec1b7f21a7f27","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":9,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Lower Mortgage is a mixed-to-good fit for refinancing a condo that fails standard warrantability rules. Two of six platforms named Lower during ranking discovery, at an average listed rank of 2.5 and a best rank of 1 (anthropic, perplexity). The strongest reason to consider it: Lower publishes unusually detailed non-warrantable condo guidance covering portfolio and non-QM pathways, project-level underwriting, and HOA documentation (, -1, ). The main limitation: no reviewed page verifies a dedicated, named Lower portfolio refinance program with published rates, LTV caps, reserve minimums, or…","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"}}