{"citations":{"source_mix":{"company_owned":20,"independent":10,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":2},"total_sources":30,"unique_domain_count":14},"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":["deepseek","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"self-employed bank statement loan","subject":"Newfi","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Newfi","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Newfi","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Newfi","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.333333333333333,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Newfi","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/newfi.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/self-employed-bank-statement-loan/newfi","report_type":"fit_review","study_id":"MCI-STUDY-847C3E034CF4","title":"Newfi 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 11:23:38.673116+00","research_date":"2026-09-29","source_snapshot_sha256":"8bfcf8b67337ea76affd933ad89cddb954ede9a2087cd15a4f7aed81c26f0263","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":33,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Newfi is a good fit for a self-employed business owner whose tax write-offs suppress qualifying income, based on the seven-platform research run dated 2026-09-29. Three of seven platforms named Newfi during the ranking stage (openai, deepseek, perplexity), and its average listed rank was 4.33 with a best rank of 2. The strongest reason to consider it: Newfi publicly offers 12- or 24-month personal or business bank statement qualification, CPA-letter and P&L documentation paths, loan amounts from $100,000 to $3.5 million, and LTV up to 90% on some purchase scenarios (, -1, ). The main…","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"}}