{"citations":{"source_mix":{"company_owned":21,"independent":14,"unclear":7},"sources_referenced_by_questions":0,"support_mix":{"direct":36,"partial":6},"total_sources":42,"unique_domain_count":18},"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 with No PMI Purchase Options","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"PMI avoidance purchase financing","subject":"Veterans United","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Veterans United","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Veterans United","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Veterans United","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Veterans United","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Veterans United","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/pmi-avoidance-purchase-financing/veterans-united.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/pmi-avoidance-purchase-financing/veterans-united","report_type":"fit_review","study_id":"MCI-STUDY-FE2101A60FA7","title":"Veterans United Review for Home Purchase Options Without PMI"},"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 12:59:38.70843+00","research_date":"2026-09-29","source_snapshot_sha256":"171f7dcec4814ddfed419f3af2a6efe40d805e7579abb5cf8aa9fadd23797fc9","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":34,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Veterans United is a strong fit for PMI avoidance purchase financing only if the buyer is VA-eligible. Two of the seven platforms in this study named Veterans United during the ranking stage, and all seven evaluated its fit for this use case. The strongest reason to consider it: the VA Purchase Loan carries no monthly private mortgage insurance at any down payment, including zero down, and Veterans United is a VA-specialist lender (, -14, deepseek:VA-OPM). The main limitation: the product is restricted to veterans, active-duty service members, and qualifying spouses, and most borrowers pay a…","target_buyer":"A buyer putting down less than 20 percent who wants to avoid paying monthly private mortgage insurance.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["lender-paid mortgage insurance availability","piggyback second loan options","rate versus PMI tradeoff transparency","long-term cost comparison","qualification flexibility"],"geography":"United States","slug":"best-mortgage-lenders-with-no-pmi-purchase-options","title":"Best Mortgage Lenders with No PMI Purchase Options","use_case":"PMI avoidance purchase financing"}}