{"citations":{"source_mix":{"company_owned":18,"independent":15,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":4},"total_sources":36,"unique_domain_count":14},"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":["grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"low down payment conventional purchase","subject":"Tomo Mortgage","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Tomo Mortgage","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Tomo Mortgage","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Tomo Mortgage","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Tomo Mortgage","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Tomo Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.6666666666666665,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Tomo Mortgage","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/tomo-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/tomo-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-302DFFDABD5A","title":"Tomo Mortgage 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.","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 07:26:17.853105+00","research_date":"2026-09-29","source_snapshot_sha256":"1793b9c790aca32457e4db6be7b70c1fc289edf0083e8f982129aff9a075aac3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Tomo Mortgage is a good fit for a credit-strong buyer who wants a 3% down conventional purchase, with meaningful verification required. Three of seven platforms named Tomo during the ranking stage (grok, kimi, perplexity), and it ranked first on two of those lists. The strongest reason to consider it is the advertised Conventional Loans | 3% Down | $0 Fees product: 3% down for first-time buyers, $0 lender fees, and conventional PMI that is removable at 20% equity. The main limitation is that most supporting evidence is company-owned marketing, and independent verification of rate…","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"}}