{"citations":{"source_mix":{"company_owned":23,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":34,"partial":8},"total_sources":42,"unique_domain_count":21},"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 Buyers with Low Credit Scores","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"low credit score home purchase","subject":"Better","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Better","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":"mixed","subject":"Better","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Better","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":"Better","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Better","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-credit-score-home-purchase/better.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-credit-score-home-purchase/better","report_type":"fit_review","study_id":"MCI-STUDY-863B346AB6EF","title":"Better Review for Buyers with Low Credit Scores"},"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 11:37:17.219411+00","research_date":"2026-09-29","source_snapshot_sha256":"17e3c6c451dc4a31d98dfdf0e67f03e3434ed43b2eaf1423dcbfd940db64635a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Better is a mixed fit for a low credit score home purchase. Three of seven platforms named Better during the ranking stage (anthropic, deepseek, perplexity), and it finished seventh overall with an average listed rank of 7.0 and a best rank of 4. Its strongest case is an FHA purchase loan at a stated 580 FICO minimum with 3.5% down, which matches buyers in the 580–619 range. The main limitation is that public evidence does not establish manual underwriting flexibility, compensating-factor discretion, or a nationwide down-payment-assistance program, and one platform reported a stricter 620…","target_buyer":"A buyer with a credit score generally below 620 who needs a lender willing to work with lenient minimums.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["minimum credit score accepted","manual underwriting availability","rate impact of low credit","compensating factor flexibility","down payment assistance options"],"geography":"United States","slug":"best-mortgage-lenders-for-buyers-with-low-credit-scores","title":"Best Mortgage Lenders for Buyers with Low Credit Scores","use_case":"low credit score home purchase"}}