{"citations":{"source_mix":{"company_owned":33,"independent":17,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":45,"partial":5},"total_sources":50,"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":"PenFed Credit Union","unit":"rank","value":3},{"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":"PenFed Credit Union","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"PenFed Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"PenFed Credit Union","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"PenFed Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.428571428571429,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"PenFed Credit Union","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/va-zero-down-purchase-loan/penfed-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/va-zero-down-purchase-loan/penfed-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-AC8CE62F49C9","title":"PenFed 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.","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 10:28:55.137657+00","research_date":"2026-09-29","source_snapshot_sha256":"24ce6ddeb2bc40bf0ace2eb723e6febc17e32b2f038168a016dda5c7e916c805","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"PenFed Credit Union is a good, not conclusively best, fit for a VA zero-down purchase loan. All seven platforms that reached the ranking stage named PenFed, giving it a 100% share of included platform responses, an average listed rank of 4.43, and a best rank of 3. Its strongest draw is an explicit 0% down VA purchase product with no PMI and a published flat $995 origination fee. The main limitation is that no reviewed source independently verifies PenFed's VA loan volume, appraisal turnaround, or military-family service quality, and PenFed does not publish a minimum credit score or DTI…","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"}}