{"citations":{"source_mix":{"company_owned":21,"independent":20,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":34,"partial":7},"total_sources":41,"unique_domain_count":15},"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 Overall Mortgage Lenders for Home Purchase","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","kimi"],"predicate":"final_consensus_rank","qualifier":"general home purchase lender comparison","subject":"Tomo Mortgage","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Tomo Mortgage","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Tomo Mortgage","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Tomo Mortgage","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Tomo Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Tomo Mortgage","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/general-home-purchase-lender-comparison/tomo-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/general-home-purchase-lender-comparison/tomo-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-A47A30B57ABC","title":"Tomo Mortgage Review for Home Purchase"},"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 07:38:37.676525+00","research_date":"2026-09-29","source_snapshot_sha256":"2f1ccbfc9e9c432d83ca561e492befdfa3ce83629982d27fd7a42a8d15c7a689","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Tomo Mortgage is a good, but not universally best, fit for general Home Purchase lender comparison. Two of the seven platforms that evaluated fit named Tomo during ranking discovery — grok at rank 1 and kimi at rank 5 — for an average listed rank of 3.0 and a best rank of 1. The strongest reason to consider it is a combination of advertised $0 lender fees, a digital application workflow, and lender-reported fast closing timelines. The main limitation is that most rate, speed, and fee advantages are company claims; independent evidence is thinner, geographic availability is incomplete, and…","target_buyer":"A home buyer with standard credit and income documentation who is comparing lenders broadly before making an offer on a home.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["rate competitiveness","loan program breadth","closing speed","customer service quality","digital application experience"],"geography":"United States","slug":"best-overall-mortgage-lenders-for-home-purchase","title":"Best Overall Mortgage Lenders for Home Purchase","use_case":"general home purchase lender comparison"}}