{"citations":{"source_mix":{"company_owned":34,"independent":4,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":35,"partial":3},"total_sources":38,"unique_domain_count":10},"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","grok"],"predicate":"final_consensus_rank","qualifier":"self-employed bank statement loan","subject":"MBANC Bank Statement Mortgage","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"MBANC Bank Statement Mortgage","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"MBANC Bank Statement Mortgage","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"MBANC Bank Statement Mortgage","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"MBANC Bank Statement Mortgage","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/mbanc-bank-statement-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/mbanc-bank-statement-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-91F9F0790CFA","title":"MBANC Bank Statement Mortgage 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 11:27:09.84271+00","research_date":"2026-09-29","source_snapshot_sha256":"34cfc979779e117453a6e7deda04eefdc41190e8681cda338e721d9421fa1cbc","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"MBANC Bank Statement Mortgage is a good fit for a self-employed borrower whose tax write-offs suppress taxable income but whose bank deposits support repayment. Two of seven platforms named MBANC during the ranking stage, and both ranked it first. The strongest reason to consider it is a purpose-built non-QM bank statement program that accepts 12 or 24 months of personal or business deposits, with a standard 50% expense factor or a potentially lower CPA-supported ratio . The main limitation is transparency: no public rate sheet, no complete fee schedule, conflicting expense-ratio and…","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"}}