{"buyer_scenarios":[{"fit":"best_suited","scenario":"Homeowners who need a nonstandard term, such as a 15-year payoff on a customized schedule, using terms from 8 to 30 years (-1, )."},{"fit":"best_suited","scenario":"Self-employed or non-traditional borrowers who may not qualify for a conventional refinance and need manual underwriting or non-QM options (-4, kimi:entity-ranking-stage)."},{"fit":"best_suited","scenario":"Borrowers who want branch or phone support rather than a fully digital process, given more than 300 branch locations (-4)."},{"fit":"best_suited","scenario":"Existing New American Funding borrowers who want to use the 5-Year Rate Protection Pledge fee credits on a refinance (-1, -7)."}],"citations":{"source_mix":{"company_owned":18,"independent":35,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":37,"partial":15},"total_sources":53,"unique_domain_count":28},"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","kimi"],"predicate":"final_consensus_rank","qualifier":"Rate-and-term refinance for existing homeowners","subject":"New American Funding","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"New American Funding","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"good","subject":"New American Funding","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"New American Funding","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":"New American Funding","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"New American Funding","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/rate-and-term-refinance/new-american-funding.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/rate-and-term-refinance/new-american-funding","report_type":"fit_review","study_id":"MCI-STUDY-809F50625994","title":"New American Funding 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.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","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":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 13:51:49.471841+00","research_date":"2026-09-29","source_snapshot_sha256":"1f0a3b862f6719a4f8b5bb374500e349c92f49c91c1dbf711a13c9813f6cd2d9","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"New American Funding is a mixed fit for a rate-and-term refinance. Three of seven platforms named it during ranking discovery, and all three placed it between third and fourth. Its strongest case rests on product breadth — conventional, FHA, VA, USDA, jumbo, interest-only, and non-QM refinance options, plus advertised loan terms from 8 to 30 years (-1, -5, -6). The main limitation is verifiability: New American Funding does not publish refinance rates or a lender fee schedule online, independent reviews describe its rates as average or above average, and advertised rates assume roughly 3.0…","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"}}