{"citations":{"source_mix":{"company_owned":22,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":34,"partial":7},"total_sources":41,"unique_domain_count":25},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Overall Mortgage Refinance Lenders for Rate-and-Term Refinancing","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Rate-and-term refinance for existing homeowners","subject":"CrossCountry Mortgage","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"CrossCountry Mortgage","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"CrossCountry Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"CrossCountry Mortgage","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"CrossCountry 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":2,"name":"CrossCountry Mortgage","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/rate-and-term-refinance/crosscountry-mortgage.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/rate-and-term-refinance/crosscountry-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-10996A7DF3C3","title":"CrossCountry Mortgage Review for Rate-and-Term Refinancing"},"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":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","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 13:32:01.353825+00","research_date":"2026-09-29","source_snapshot_sha256":"ea0d4a793ab594dc462f913292b9b2340a93a9540800ab158ff8f3c717f684d0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"CrossCountry Mortgage is a mixed fit for rate-and-term refinance for existing homeowners. Five of seven platforms named it during the ranking stage (71% of included platform responses), with an average listed rank of 3.0 and a best rank of 2. The strongest reason to consider it is breadth: conventional, FHA, VA, USDA, fixed-rate, and adjustable-rate refinance programs, plus a defined rate-lock framework and a 21-day closing target cited by multiple platforms. The main limitation is cost and transparency: independent reviews report above-average origination fees and rates, and CrossCountry…","target_buyer":"A homeowner with an existing mortgage who wants to lower their interest rate or adjust their loan term without borrowing additional money.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["refinance rate competitiveness","closing cost transparency","loan term flexibility","customer service quality","rate lock speed"],"geography":"United States","slug":"best-overall-mortgage-refinance-lenders-for-rate-and-term-refinancing","title":"Best Overall Mortgage Refinance Lenders for Rate-and-Term Refinancing","use_case":"Rate-and-term refinance for existing homeowners"}}