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The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 10:54:09.976867+00","research_date":"2026-09-29","source_snapshot_sha256":"d2e99f854494a9281da7fc197cda347541fe94988b955b4dfe7eb31582f92b02","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Veterans United Home Loans is the consensus leader for a VA zero-down purchase loan, named by all seven platforms studied and ranked first by six of them. Navy Federal Credit Union is the strongest alternative for borrowers who want a military credit union relationship, and PenFed Credit Union is the leading low-fee credit-union option. Rocket Mortgage, USAA, Pennymac, Freedom Mortgage, New American Funding, Rate, and NewDay USA round out the qualifying field. Seven AI platforms were studied — OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, and Google — using one standardized prompt…","target_buyer":"An active service member, veteran, or eligible surviving spouse who qualifies for a zero-down VA purchase loan.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["VA loan volume experience","funding fee guidance","zero down payment execution","VA appraisal handling","customer service for military families"],"geography":"United States","slug":"best-va-loan-lenders-for-military-and-veterans","title":"Best VA Loan Lenders for Military and Veterans","use_case":"VA zero-down purchase loan"}}