{"citations":{"source_mix":{"company_owned":16,"independent":17,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":2},"total_sources":33,"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 Buyers with Low Credit Scores","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"low credit score home purchase","subject":"FourLeaf Federal Credit Union","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"FourLeaf Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"FourLeaf Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"FourLeaf Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"FourLeaf Federal Credit Union","unit":"platforms","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"FourLeaf Federal Credit Union","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"FourLeaf Federal Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-credit-score-home-purchase/fourleaf-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-credit-score-home-purchase/fourleaf-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-DE11C8AF8DC9","title":"FourLeaf Federal Credit Union 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.","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 11:42:37.057808+00","research_date":"2026-09-29","source_snapshot_sha256":"62e919e41bf3c6da3490be9af396ab824c3541a9e3e5dc7e9dd02db3dacb7724","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"FourLeaf Federal Credit Union is a mixed fit for a low credit score home purchase. Two of the seven platforms in this study named it during the ranking stage, and those two ranked it very differently — first and eighth. The strongest reason to consider it is its FHA home loan program, which its own materials describe with a possible 500 minimum score, 3.5% down at 580 or higher, and 10% down from 500–579 . The main limitation is that FourLeaf does not publicly confirm its lender-level FHA score floor, manual underwriting policy, or compensating-factor rules, and independent reviews report…","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"}}