{"citations":{"source_mix":{"company_owned":23,"independent":23,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":40,"partial":8},"total_sources":48,"unique_domain_count":19},"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 VA IRRRL Streamline Refinance Lenders","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Streamlined refinance for existing VA loan holders","subject":"Navy Federal Credit Union","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Navy Federal Credit Union","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Navy Federal Credit Union","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":"good","subject":"Navy Federal Credit Union","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":"Navy Federal Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.8333333333333335,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Navy Federal Credit Union","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/va-irrrl-streamline-refinance/navy-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/va-irrrl-streamline-refinance/navy-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-5DF3035B48CB","title":"Navy Federal Credit Union Review for VA IRRRL 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.","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 14:27:41.647724+00","research_date":"2026-09-29","source_snapshot_sha256":"610eb7eacfb3e63cefe0a3af0a6e4f3dd9365ca8f557fe69be0187c4114dad8c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Navy Federal Credit Union is a good fit for an existing VA loan holder seeking a streamlined IRRRL, provided the borrower is eligible for membership. Six of the seven platforms in this study named Navy Federal during the ranking stage, and five of those six rated the fit \"good\" or \"strong,\" while one rated it \"uncertain.\" The strongest reason to consider it is an explicitly marketed VA Streamline IRRRL backed by stated VA lending volume and military-focused service. The main limitation is cost transparency: Navy Federal's published VA IRRRL pricing carries a 1.00% origination fee unless the…","target_buyer":"A veteran or servicemember with an existing VA-backed mortgage who wants to lower their rate through the VA Interest Rate Reduction Refinance Loan program.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["IRRRL rate and fee structure","funding fee handling","no-appraisal option availability","VA program expertise","processing turnaround"],"geography":"United States","slug":"best-va-irrrl-streamline-refinance-lenders","title":"Best VA IRRRL Streamline Refinance Lenders","use_case":"Streamlined refinance for existing VA loan holders"}}