{"citations":{"source_mix":{"company_owned":33,"independent":15,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":39,"partial":9},"total_sources":49,"unique_domain_count":16},"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 VA Loan Lenders for Military and Veterans","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"VA zero-down purchase loan","subject":"Navy Federal Credit Union","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Navy Federal Credit Union","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Navy Federal Credit Union","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Navy Federal Credit Union","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.8571428571428572,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Navy Federal Credit Union","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/va-zero-down-purchase-loan/navy-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/va-zero-down-purchase-loan/navy-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-FDC7CD789ADB","title":"Navy Federal Credit Union Review for Military and Veterans"},"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 10:32:15.923039+00","research_date":"2026-09-29","source_snapshot_sha256":"dfb850260ea1f6e1b25ba26cbb89fda6f84da6f726935e52410f2ce4e3b2b6f2","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Navy Federal Credit Union is a strong fit for an eligible active service member, veteran, or qualifying surviving spouse seeking a VA zero-down purchase loan, especially one who values military specialization, no PMI, and 24/7 service access. All seven platforms that reached the ranking stage named Navy Federal, and it appeared in 100% of included platform responses with an average listed rank of 1.86 and a best rank of 1. The strongest reason to consider it is its dedicated VA purchase product with advertised 0% down, no PMI, and reported top-10 VA lending volume. The main limitation is…","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"}}