{"citations":{"source_mix":{"company_owned":20,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":4},"total_sources":39,"unique_domain_count":19},"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 Low Down Payment Mortgage Lenders (3-5% Down Conventional)","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","openai"],"predicate":"final_consensus_rank","qualifier":"low down payment conventional purchase","subject":"Bank of America","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Bank of America","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":"Bank of America","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Bank of America","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Bank of America","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Bank of America","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Bank of America","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/bank-of-america.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/bank-of-america","report_type":"fit_review","study_id":"MCI-STUDY-EBC46FAC2CF9","title":"Bank of America Review for Low-Down-Payment Conventional Loans"},"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 07:37:25.304186+00","research_date":"2026-09-29","source_snapshot_sha256":"bc5d21834be1be0ab51b802cfce4864a44d80ab966e12a4915410bebc080f896","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Bank of America is a mixed fit for a strong-credit buyer who wants a conventional purchase with 3–5% down. Two of the seven platforms named it during the ranking stage, at an average listed rank of 4.0 and a best rank of 1. Its strongest draw is the advertised Affordable Loan Solution® mortgage at 3% down, which may combine with down payment and closing-cost grants worth up to $17,500 in select markets. The main limitation is eligibility: income and geographic limits apply, public materials do not clearly confirm the product as a standard conforming conventional loan, and platforms openly…","target_buyer":"A buyer with strong credit but limited cash savings who wants a conventional loan with a minimal down payment.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["minimum down payment threshold","PMI cost structure","conventional loan flexibility","approval speed","rate competitiveness"],"geography":"United States","slug":"best-low-down-payment-mortgage-lenders-3-5-down-conventional","title":"Best Low Down Payment Mortgage Lenders (3-5% Down Conventional)","use_case":"low down payment conventional purchase"}}