{"citations":{"source_mix":{"company_owned":20,"independent":15,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":6},"total_sources":36,"unique_domain_count":23},"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","google","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing a condo that fails standard warrantability rules","subject":"Northpointe Bank","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Northpointe Bank","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Northpointe Bank","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Northpointe Bank","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Northpointe Bank","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Northpointe Bank","platform_mentions":3,"platform_share":0.5}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/non-warrantable-condo-refinance/northpointe-bank.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/non-warrantable-condo-refinance/northpointe-bank","report_type":"fit_review","study_id":"MCI-STUDY-E8A438D78A16","title":"Northpointe Bank 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 16:39:03.183995+00","research_date":"2026-09-29","source_snapshot_sha256":"fe3d182ec3d48afaf49397f4ad8e70db3c81d89ef51bf9168276d91174e3da90","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":9,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Northpointe Bank is a good, but not fully verified, fit for refinancing a condo that fails standard warrantability rules. Three of the six included platforms named Northpointe during the ranking stage, and all six evaluated it at the fit stage, where ratings ranged from \"strong\" to \"uncertain.\" The strongest reason to consider it is a publicly marketed Non-Warrantable Condo Loans | Portfolio Condo Financing program that lists specific agency-warrantability failures it may finance, including high renter concentration, single-entity ownership above 10%, and more than 20% commercial 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"}}