{"citations":{"source_mix":{"company_owned":23,"independent":13,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":5},"total_sources":38,"unique_domain_count":14},"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","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Rate-and-term refinance for existing homeowners","subject":"Rocket Mortgage","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Rocket Mortgage","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Rocket Mortgage","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Rocket Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Rocket Mortgage","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/rate-and-term-refinance/rocket-mortgage.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/rate-and-term-refinance/rocket-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-1E93FD860C02","title":"Rocket 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.","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 13:37:12.555607+00","research_date":"2026-09-29","source_snapshot_sha256":"c926a47e0ef060afd4db6d61c5732e04fe37e7e39e9eb5eb1760487eb1988ee5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Rocket Mortgage is a good fit for many existing homeowners pursuing a rate-and-term refinance, but it is not proven to be the cheapest option. Six of the seven platforms in this study named Rocket Mortgage during the ranking stage, and it finished first overall with an average listed rank of 3.5 and a best rank of 2. The strongest reason to consider it is a combination of broad mainstream loan-type coverage (conventional, FHA, VA, and jumbo where available), a digital application workflow, and strong servicing-satisfaction evidence. The main limitation is pricing: multiple platforms reported…","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"}}