{"buyer_scenarios":[{"fit":"not_best_suited","scenario":"Borrowers with credit below 700 ."},{"fit":"not_best_suited","scenario":"Borrowers with less than 10% down or less than two years of self-employment history without a same-field exception ."},{"fit":"not_best_suited","scenario":"Borrowers needing loans below $200,000 or above $1,250,000 ."},{"fit":"not_best_suited","scenario":"Borrowers in New York State, the Chicago metropolitan area, or the Baltimore metropolitan area ."}],"citations":{"source_mix":{"company_owned":22,"independent":4,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":4},"total_sources":26,"unique_domain_count":11},"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","google","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"self-employed bank statement loan","subject":"NASB","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"NASB","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"NASB","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"NASB","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"NASB","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.25,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"NASB","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/nasb.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/nasb","report_type":"fit_review","study_id":"MCI-STUDY-A91C903E3888","title":"NASB 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 11:18:17.41708+00","research_date":"2026-09-29","source_snapshot_sha256":"f9f5b89ed54963e895290ea0be17b2e418b52bf78cee4a003a3e3711f60865ec","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"NASB is a good, but not clearly best, fit for a self-employed buyer whose tax write-offs suppress documented income but whose bank deposits show consistent cash flow. Four of the seven platforms in this study named NASB during the ranking stage, and those four split between \"strong\" and \"good\" fit ratings. The strongest reason to consider NASB is its dedicated, in-house Bank Statement Loan program, which uses 12 or 24 months of personal or business bank statements instead of tax returns and advertises down payments as low as 10% in qualifying cases. The main limitation is that NASB publishes…","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"}}