{"citations":{"source_mix":{"company_owned":15,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":2},"total_sources":34,"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 HELOC Lenders for Fast Funding and Quick Draw Access","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":"Urgent time-sensitive access to home equity funds","subject":"Figure","unit":"rank","value":1},{"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":"Figure","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","kimi"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Figure","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Figure","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.5714285714285714,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Figure","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/fast-funding-quick-draw-access/figure.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/fast-funding-quick-draw-access/figure","report_type":"fit_review","study_id":"MCI-STUDY-4E2DDAA0EEE9","title":"Figure Review for Fast Funding and Quick Draw Access"},"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.","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 18:39:29.329856+00","research_date":"2026-09-29","source_snapshot_sha256":"cfefcd7769e483085f2b7a7b8553a7820380e5df55d2bdaed1f1bec1e15d3183","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":28,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Figure is a good—not strong—fit for urgent, time-sensitive access to home equity funds. All seven platforms that named Figure in the ranking stage included it, and it ranked first overall with an average listed rank of 1.57. Its strongest advantage is speed: a fully digital application, automated valuation models that can waive in-person appraisals on loans under $400,000, and funding in as few as five business days (, -1, ). The main limitation is structural: Figure may require the borrower to draw the full approved line at closing, so it behaves more like a lump-sum home equity loan than a…","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"}}