{"citations":{"source_mix":{"company_owned":25,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":28,"partial":3},"total_sources":37,"unique_domain_count":17},"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":["deepseek","google","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"first-time homebuyer loan guidance","subject":"Bank of America","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Bank of America","unit":"platforms","value":5},{"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":"Bank of America","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":"Bank of America","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Bank of America","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/first-time-homebuyer-loan-guidance/bank-of-america.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/first-time-homebuyer-loan-guidance/bank-of-america","report_type":"fit_review","study_id":"MCI-STUDY-3DE21123C71E","title":"Bank of America 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.","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.","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 07:13:18.08932+00","research_date":"2026-09-29","source_snapshot_sha256":"35daea3757f9153d3bbc510626fffb916b670b9c921b4c208c67b92dafef2ca3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":27,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Bank of America is a good fit for first-time homebuyer loan guidance if you may qualify for its market-specific grants, want a 3% down mortgage option, and value structured education plus access to a lending specialist. Five of seven platforms named it during the ranking stage (71.4% of included platform responses), with an average listed rank of 3.6 and a best rank of 1. Its strongest case is the combination of potentially non-repayable down payment and closing cost grants, a searchable Down Payment Center, and first-time-buyer education resources. The main limitation is that grant…","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"}}