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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 18:58:40.247018+00","research_date":"2026-09-29","source_snapshot_sha256":"51376cbb01fe380b7ffc375c4d16a94132f92e0bdfc15a32bb78d0bb62a15c05","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":28,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Across seven AI platforms asked one standardized question about a homeowner who needs home equity cash urgently, Figure is the consensus leader for fast-funding HELOC access, named by all seven platforms (100.0% share) at an average listed position of 1.57. Aven is the strongest alternative for borrowers who want card-style draw access and repeated borrowing, and Rate is the leading choice for a digitally originated line with a roughly one-to-two-week funding window. Ten lenders qualified by being named by at least two platforms. The principal limitation is that this index measures what AI…","target_buyer":"A homeowner facing an urgent, time-sensitive cash need who cannot wait weeks for a traditional home equity approval process.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["time from application to funding","digital underwriting speed","same-day or next-day draw availability","appraisal waiver availability"],"geography":"United States","slug":"best-heloc-lenders-for-fast-funding-and-quick-draw-access","title":"Best HELOC Lenders for Fast Funding and Quick Draw Access","use_case":"Urgent time-sensitive access to home equity funds"}}