{"citations":{"source_mix":{"company_owned":19,"independent":8,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":5},"total_sources":28,"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 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","perplexity"],"predicate":"final_consensus_rank","qualifier":"USDA rural zero-down purchase","subject":"United Federal Credit Union","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"United Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"United Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"United Federal Credit Union","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"United Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"United Federal Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"United Federal Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/usda-rural-zero-down-purchase/united-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/usda-rural-zero-down-purchase/united-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-F84B9C3F0A1A","title":"United Federal Credit Union 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.","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 10:54:29.727052+00","research_date":"2026-09-29","source_snapshot_sha256":"c1f6e34101cccd6fea30c37841c174e3183d414e4984fcfbf7ba879ee80abb07","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":9,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"United Federal Credit Union is a good fit for a USDA rural zero-down purchase if the buyer meets its published 640 credit-score minimum, stays within a generally 41% debt-to-income guideline, and lives inside its seven-state footprint. Two of seven platforms named it during the ranking stage, and it landed at rank 1 on one platform and rank 10 on another. The strongest reason to consider it is a dedicated USDA Rural Development Loan advertising 0% down, up to 100% financing, and 30-year fixed terms. The main limitation is thin public evidence on USDA-specific pricing, underwriting speed,…","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"}}