{"citations":{"source_mix":{"company_owned":29,"independent":28,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":45,"partial":12},"total_sources":57,"unique_domain_count":23},"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":["deepseek","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Rate-and-term refinance for existing homeowners","subject":"SoFi","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"SoFi","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"SoFi","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"SoFi","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"SoFi","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.25,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"SoFi","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/rate-and-term-refinance/sofi.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/rate-and-term-refinance/sofi","report_type":"fit_review","study_id":"MCI-STUDY-3112754192D8","title":"SoFi 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 13:44:46.951402+00","research_date":"2026-09-29","source_snapshot_sha256":"a5dcf34e1cd3cf0489c2548952a3b88f78fd8773e00b4370f13493f15f95cc14","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"SoFi is a mixed fit for Rate-and-Term Refinancing for existing homeowners. Four of the seven platforms in this study named SoFi during the ranking stage, and the seven platforms that evaluated fit split three ways: two rated it \"good,\" four rated it \"mixed,\" and one rated it \"uncertain.\" The strongest reason to consider SoFi is its published fee structure — a standard $1,495 origination fee with up to $1,000 in one-time member discounts — plus a digital application process and reported rate-lock options. The main limitation is that SoFi does not publish a borrower-specific rate, does not…","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"}}