{"citations":{"source_mix":{"company_owned":17,"independent":20,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":28,"partial":8},"total_sources":37,"unique_domain_count":15},"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":["deepseek","perplexity"],"predicate":"final_consensus_rank","qualifier":"low down payment conventional purchase","subject":"PenFed Credit Union","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"PenFed Credit Union","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"PenFed Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"PenFed Credit Union","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"PenFed Credit Union","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"PenFed Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"PenFed Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/penfed-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/penfed-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-0EDF1A5B7F1F","title":"PenFed Credit Union 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.","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 07:34:59.370127+00","research_date":"2026-09-29","source_snapshot_sha256":"5795f184106ffde009a05ca1c6f0864f624bf74457d33279a0013794d2034c3a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"PenFed Credit Union is a good, but not clearly best, fit for a strong-credit buyer seeking a 3% down conventional purchase loan. Two of seven platforms named PenFed during the ranking stage, and it finished eighth overall. The strongest reason to consider it is a publicly documented Conventional 97 product permitting 3% down, combined with generally cancellable conventional PMI and possible conditional closing-cost credits. The main limitation is disclosure: borrower-specific PMI pricing, exact fees, underwriting requirements, and approval timelines are not established in the reviewed public…","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"}}