{"citations":{"source_mix":{"company_owned":32,"independent":16,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":47,"partial":2},"total_sources":49,"unique_domain_count":18},"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","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"low credit score home purchase","subject":"Rocket Mortgage","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Rocket Mortgage","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Rocket Mortgage","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Rocket Mortgage","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.8,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Rocket Mortgage","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-credit-score-home-purchase/rocket-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-credit-score-home-purchase/rocket-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-8409E9CDCA20","title":"Rocket Mortgage 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.","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 11:20:07.959433+00","research_date":"2026-09-29","source_snapshot_sha256":"97b656f7f90d1dbc4f5a8851643d5ef4842d4f8ce371f1c633a2e4d8037e88f0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Rocket Mortgage is a mixed fit for a low credit score home purchase. Five of the seven platforms in this study named it during ranking discovery, with an average listed rank of 3.8 and a best rank of 2. Its strongest case is a buyer at 580-619 FICO seeking an FHA purchase loan with 3.5% down, or an eligible VA buyer at 580 or above. The main limitation is a hard 580 FICO floor: Rocket states it does not offer subprime loans, and its own materials point 500-579 FHA borrowers to other lenders. Manual underwriting flexibility is also unclear or constrained, depending on which Rocket page is read.","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"}}