{"citations":{"source_mix":{"company_owned":15,"independent":30,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":13},"total_sources":46,"unique_domain_count":29},"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","kimi"],"predicate":"final_consensus_rank","qualifier":"Streamlined refinance for existing VA loan holders","subject":"USAA","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"USAA","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"USAA","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"USAA","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"USAA","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.666666666666667,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"USAA","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/va-irrrl-streamline-refinance/usaa.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/va-irrrl-streamline-refinance/usaa","report_type":"fit_review","study_id":"MCI-STUDY-19E8BBCA2A9A","title":"USAA 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 14:33:57.395362+00","research_date":"2026-09-29","source_snapshot_sha256":"2e237b2f1ae8e61acb5f3ccd5d7168cf00fdce483fedfa46ebf1b6d11c36247a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"USAA is a good, but not clearly best, fit for an existing VA borrower seeking an IRRRL. Three of seven platforms named USAA during the ranking stage (deepseek, google, kimi), at an average listed rank of 6.67 and a best rank of 4. The strongest reason to consider USAA is that it publicly offers the relevant VA IRRRL product, permits financing the VA funding fee, and advertises refinancing up to 100% of home value . The main limitation is that USAA does not publish a consistently verifiable IRRRL rate, points, complete fee schedule, or processing-time commitment in the reviewed materials, so…","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"}}