{"citations":{"source_mix":{"company_owned":19,"independent":34,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":7},"total_sources":53,"unique_domain_count":29},"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","google","kimi"],"predicate":"final_consensus_rank","qualifier":"low credit score home purchase","subject":"New American Funding","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"New American Funding","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"New American Funding","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":"New American Funding","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":"New American Funding","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.75,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"New American Funding","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-credit-score-home-purchase/new-american-funding.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-credit-score-home-purchase/new-american-funding","report_type":"fit_review","study_id":"MCI-STUDY-EFE4CE9EB023","title":"New American Funding 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 11:30:23.313601+00","research_date":"2026-09-29","source_snapshot_sha256":"7c44f7c75ae96f2af31e858b11bba7c203d0801dd1c5fa5e03a8bc2c78518e2a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"New American Funding is a good — not conclusively best — fit to investigate for a low credit score home purchase, especially for a buyer with a 580–619 score seeking an FHA purchase loan and possible down-payment assistance. Four of seven platforms named it during ranking discovery, with an average listed rank of 3.75 and a best listed rank of 3. The strongest reason to consider it is its advertised FHA eligibility beginning at 500 FICO, with 3.5% down at 580 or higher and 10% down at 500–579, plus advertised assistance of up to $6,000 . The main limitation is that manual underwriting,…","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"}}