{"citations":{"source_mix":{"company_owned":23,"independent":8,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":4},"total_sources":31,"unique_domain_count":12},"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","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"first-time homebuyer loan guidance","subject":"Guild Mortgage","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Guild Mortgage","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Guild Mortgage","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guild Mortgage","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":"Guild Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Guild Mortgage","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/first-time-homebuyer-loan-guidance/guild-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/first-time-homebuyer-loan-guidance/guild-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-C855C175521F","title":"Guild Mortgage 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.","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 07:18:40.698216+00","research_date":"2026-09-29","source_snapshot_sha256":"8a8e13a3359c22e6b484621d547c38423f7e471d48ca244f32d56725a7c07b20","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":27,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Guild Mortgage is a good fit for a first-time buyer who needs structured education, a local loan officer, and help stacking a low-down-payment loan with down-payment or closing-cost assistance. Four of the seven platforms in this study named Guild during the ranking stage, and all seven that produced fit research rated it good, strong, or uncertain — none rated it poor. The strongest reason to consider it is MyPath2Own, a mortgage-readiness program combining education, counseling, and up to $4,000 in assistance (openai:guildmypath2own, , ). The main limitation is cost transparency: Guild…","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"}}