{"buyer_scenarios":[{"fit":"best_suited","scenario":"Self-employed owners with consistent personal or business deposits but low taxable income"},{"fit":"best_suited","scenario":"Borrowers seeking a dedicated Non-QM lender with 12- or 24-month bank statement options"},{"fit":"best_suited","scenario":"Borrowers purchasing or refinancing a primary residence, second home, or investment property"},{"fit":"best_suited","scenario":"Business owners who own as little as 25% of the business"},{"fit":"not_best_suited","scenario":"Borrowers who qualify conventionally using tax returns and prioritize the lowest rate and fees"},{"fit":"not_best_suited","scenario":"Borrowers whose income is better documented by a CPA-prepared P&L than by deposit history"},{"fit":"not_best_suited","scenario":"Borrowers needing a publicly disclosed, guaranteed minimum down payment or fully transparent pricing before submitting a scenario"},{"fit":"not_best_suited","scenario":"Borrowers with less than 2 years of self-employment history under the standard program"}],"citations":{"source_mix":{"company_owned":19,"independent":9,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":8},"total_sources":29,"unique_domain_count":13},"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 Self-Employed Buyers Using Bank Statement Loans","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"self-employed bank statement loan","subject":"Angel Oak Mortgage Solutions","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Angel Oak Mortgage Solutions","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":"good","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.7142857142857144,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Angel Oak Mortgage Solutions","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/angel-oak-mortgage-solutions.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/angel-oak-mortgage-solutions","report_type":"fit_review","study_id":"MCI-STUDY-670F4A2E2DA5","title":"Angel Oak Mortgage Solutions Review for Self-Employed Buyers Using Bank Statement 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.","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 11:12:22.505671+00","research_date":"2026-09-29","source_snapshot_sha256":"a56c5af6c2f600665983c4e021b153a00b3e6918a5b0643d5749eee444619171","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Angel Oak Mortgage Solutions is a good fit for a self-employed borrower whose tax write-offs suppress qualifying income and who has strong, documentable bank deposits. All 7 platforms named it during the ranking stage (100% of included platform responses), with an average listed rank of 2.71 and a best rank of 1. Its strongest asset is a dedicated Bank Statement Loan with 12- or 24-month personal or business statement options and no tax returns required . The main limitation is transparency: no platform found a published borrower-specific rate, fee schedule, minimum down payment, or…","target_buyer":"A self-employed business owner whose tax write-offs reduce documented income and cannot qualify using standard tax returns.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["bank statement program availability","non-QM underwriting flexibility","rate premium for alternative documentation","CPA letter acceptance","minimum down payment for non-QM"],"geography":"United States","slug":"best-mortgage-lenders-for-self-employed-buyers-using-bank-statement-loans","title":"Best Mortgage Lenders for Self-Employed Buyers Using Bank Statement Loans","use_case":"self-employed bank statement loan"}}