{"citations":{"source_mix":{"company_owned":24,"independent":9,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":3},"total_sources":33,"unique_domain_count":17},"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":["kimi","openai"],"predicate":"final_consensus_rank","qualifier":"self-employed bank statement loan","subject":"JD.Mortgage Team / PRMG","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"JD.Mortgage Team / PRMG","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"JD.Mortgage Team / PRMG","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":"JD.Mortgage Team / PRMG","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"JD.Mortgage Team / PRMG","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"JD.Mortgage Team / PRMG","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/jd-mortgage-team-prmg.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/jd-mortgage-team-prmg","report_type":"fit_review","study_id":"MCI-STUDY-165300E9F836","title":"JD.Mortgage Team / PRMG 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.","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 11:39:46.636383+00","research_date":"2026-09-29","source_snapshot_sha256":"5416ea9961398aa3ccadcad06b176c8fd800f75c06b0612bef5d647c8d506f1f","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"JD.Mortgage Team / PRMG is a good fit for a self-employed borrower whose tax write-offs suppress documented income, but it is not a fully verified one. Two of the seven platforms in this study named the entity during the ranking stage — OpenAI (rank 4) and Kimi (rank 8) — giving it a 28.6% share of included platform responses and an average listed rank of 6.0. The strongest reason to consider it is a documented 12/24-month bank statement program through PRMG's Non-QM platform, with CPA-letter expense-ratio options and advertised LTVs up to 89.99% on top credit tiers. The main limitation is…","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"}}