{"citations":{"source_mix":{"company_owned":18,"independent":22,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":8},"total_sources":40,"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 Mortgage Lenders for First-Time Homebuyers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"first-time homebuyer loan guidance","subject":"Alliant Credit Union","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Alliant Credit Union","unit":"platforms","value":2},{"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":"Alliant Credit Union","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Alliant Credit Union","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Alliant Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/first-time-homebuyer-loan-guidance/alliant-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/first-time-homebuyer-loan-guidance/alliant-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-0FC1AEBCC9B7","title":"Alliant Credit Union Review for First-Time Homebuyers"},"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 07:38:44.52907+00","research_date":"2026-09-29","source_snapshot_sha256":"1db902330e7f27c51f602543fc9dd1afc467c2ffbf182bf62e85d173e1731316","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":27,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Alliant Credit Union is a good fit for a first-time homebuyer who prioritizes a very low down payment and is comfortable with a fully digital mortgage process. Two of the seven platforms in this study named Alliant during the ranking stage, at an average listed rank of 2.5. The strongest reason to consider it is the Alliant Advantage Mortgage, which Alliant markets as allowing qualified first-time buyers to put as little as 0% down on loans up to $650,000 without PMI (, -1). The main limitation is thin, conflicting public evidence on structured homebuyer education, closing-cost assistance,…","target_buyer":"A first-time buyer with no prior mortgage experience who needs education and hand-holding through their first home purchase.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["first-time buyer program availability","educational support quality","flexible down payment options","loan officer guidance","closing cost assistance"],"geography":"United States","slug":"best-mortgage-lenders-for-first-time-homebuyers","title":"Best Mortgage Lenders for First-Time Homebuyers","use_case":"first-time homebuyer loan guidance"}}