{"citations":{"source_mix":{"company_owned":24,"independent":24,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":43,"partial":4},"total_sources":48,"unique_domain_count":22},"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 USDA Loan Lenders for Rural Home Purchase","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"USDA rural zero-down purchase","subject":"Guild Mortgage","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Guild Mortgage","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Guild Mortgage","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guild Mortgage","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Guild Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.1666666666666667,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Guild Mortgage","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/usda-rural-zero-down-purchase/guild-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/usda-rural-zero-down-purchase/guild-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-47C5926C5F5C","title":"Guild Mortgage Review for Rural Home Purchase"},"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.","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 10:32:09.262186+00","research_date":"2026-09-29","source_snapshot_sha256":"b3f4c0bbbf0841b52273189ab5c347203f01f72fdc8ff2d2b0e605f281bfc641","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":9,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Guild Mortgage is a good fit for a moderate-income buyer seeking a USDA rural zero-down purchase, with caveats. Six of the seven platforms in this study named Guild during the ranking stage, and it finished first overall with an average listed rank of 1.17. The strongest reason to consider it is documented USDA lending activity: USDA lists Guild among active Guaranteed lenders and reported it as a top originating lender in a 2026 award announcement . The main limitation is pricing and operational transparency. Guild publishes no universal USDA rate, fee schedule, or USDA-specific turn times,…","target_buyer":"A moderate-income buyer purchasing a home in a USDA-eligible rural or suburban area who wants zero-down financing.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["USDA eligibility area expertise","zero down execution","income limit navigation","USDA underwriting speed","rural property appraisal experience"],"geography":"United States","slug":"best-usda-loan-lenders-for-rural-home-purchase","title":"Best USDA Loan Lenders for Rural Home Purchase","use_case":"USDA rural zero-down purchase"}}