{"buyer_scenarios":[{"fit":"best_suited","scenario":"FHA-eligible buyers seeking a low-down-payment path. loanDepot advertises FHA financing with as little as 3.5% down, and HUD confirms FHA availability on 1-4 unit properties at that minimum . loanDepot accepts FHA…"},{"fit":"best_suited","scenario":"Buyers purchasing a multi-unit property that needs eligible renovation work. FHA 203(k) and Fannie Mae HomeStyle are both advertised for 1-4 unit properties (, grok:, )."},{"fit":"best_suited","scenario":"VA-eligible buyers pursuing up to a fourplex while occupying one unit (grok:)."},{"fit":"best_suited","scenario":"Borrowers who value digital application and e-closing with branch backup. loanDepot has an easy-to-use online application, offers e-closing where allowed, and operates roughly 200 branches nationwide (-12, -13)."},{"fit":"not_best_suited","scenario":"Well-qualified borrowers prioritizing the lowest rate. One review states that borrowers with strong credit and stable W-2 income may find better pricing with a more rate-focused lender (-13), and reported rate data…"},{"fit":"not_best_suited","scenario":"Buyers who require published rates before applying. loanDepot does not publish sample rates or APRs online (-2, -9)."},{"fit":"not_best_suited","scenario":"Buyers sensitive to origination fees. Reported average origination fees of $4,909 exceed a cited $3,349 cross-lender average (-3, -1)."},{"fit":"not_best_suited","scenario":"Buyers who need a portfolio or non-QM product for 3-4 units with non-standard income or above-conforming loan amounts (deepseek:cite1, )."}],"citations":{"source_mix":{"company_owned":24,"independent":29,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":4},"total_sources":53,"unique_domain_count":31},"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 Multi-Unit Owner-Occupied Purchase (2-4 Units)","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":"owner-occupied multi-unit purchase","subject":"loanDepot","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"loanDepot","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":"good","subject":"loanDepot","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"loanDepot","unit":"platforms","value":3},{"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":5.666666666666667,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"loanDepot","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/loandepot.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/owner-occupied-multi-unit-purchase/loandepot","report_type":"fit_review","study_id":"MCI-STUDY-3470E9222905","title":"loanDepot Review for Multi-Unit Owner-Occupied Purchase (2-4 Units)"},"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 13:04:25.592369+00","research_date":"2026-09-29","source_snapshot_sha256":"ea1e8386ed496957660216f8fe47b5188bcabd8541ec705ed86dbd383b7a20f3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":9,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"loanDepot is a mixed-to-good fit for an owner-occupied 2-4 unit purchase, depending on which platform's assessment you weight. Three of seven platforms named loanDepot in the ranking stage (grok, kimi, perplexity), and its average listed rank was 5.67 with a best rank of 3. The strongest reason to consider it is publicly confirmed FHA availability for 1-4 unit primary residences with down payments as low as 3.5%, plus an FHA 203(k) renovation path for eligible properties . The main limitation is that loanDepot does not publicly document its rental-income treatment, reserve overlays,…","target_buyer":"A buyer purchasing a duplex, triplex, or fourplex to live in one unit while renting out the others.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["multi-unit owner-occupied program availability","rental income qualification treatment","FHA and conventional multi-unit limits","reserve requirements","down payment options for multi-unit"],"geography":"United States","slug":"best-mortgage-lenders-for-multi-unit-owner-occupied-purchase-2-4-units","title":"Best Mortgage Lenders for Multi-Unit Owner-Occupied Purchase (2-4 Units)","use_case":"owner-occupied multi-unit purchase"}}