{"citations":{"source_mix":{"company_owned":23,"independent":27,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":39,"partial":10},"total_sources":50,"unique_domain_count":28},"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","kimi"],"predicate":"final_consensus_rank","qualifier":"low down payment conventional purchase","subject":"loanDepot","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"loanDepot","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"loanDepot","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"loanDepot","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"loanDepot","unit":"platforms","value":1}],"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":7,"name":"loanDepot","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/loandepot.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/loandepot","report_type":"fit_review","study_id":"MCI-STUDY-C1A35E7B487A","title":"loanDepot 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.","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 07:33:48.361113+00","research_date":"2026-09-29","source_snapshot_sha256":"5764d6a8abc3deac01c03623d0d499f06a03cc03ff35df7a9edbc24ab21b87b4","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"loanDepot is a mixed fit for a low down payment conventional purchase. Two of seven platforms named loanDepot during the ranking stage, placing it at an average listed rank of 2.5 (best rank: 2). The strongest reason to consider it: loanDepot publicly references 3% down conventional options tied to Fannie Mae HomeReady and Freddie Mac Home Possible, and independent reviews report it offers 3% down fixed-rate conventional loans with a 620 minimum credit score (-1, -6, -1, ). The main limitation: public loanDepot materials do not clearly confirm current HomeReady/Home Possible availability,…","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"}}