{"citations":{"source_mix":{"company_owned":12,"independent":24,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":8},"total_sources":36,"unique_domain_count":16},"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","grok"],"predicate":"final_consensus_rank","qualifier":"low credit score home purchase","subject":"Real Genius","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Real Genius","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Real Genius","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Real Genius","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Real Genius","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Real Genius","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-credit-score-home-purchase/real-genius.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-credit-score-home-purchase/real-genius","report_type":"fit_review","study_id":"MCI-STUDY-B4CFF03D27C4","title":"Real Genius 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.","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 11:41:36.92622+00","research_date":"2026-09-29","source_snapshot_sha256":"9cc28fddc65f23b8b193f0005baf723c0a337d4b742949247d2d846977d1ce84","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Real Genius is a mixed fit for a low credit score home purchase. Two of the seven platforms in this study named it during ranking discovery, and its average listed rank was 2.5. The strongest reason to consider it is that independent reviewers report an FHA minimum credit score of 600 and rank the lender among the best for bad credit mortgages, with a rate tool that shows how credit score affects pricing. The main limitation is that Real Genius does not publicly confirm FHA manual underwriting, does not publish compensating-factor rules, and does not clearly advertise down payment assistance.","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"}}