{"citations":{"source_mix":{"company_owned":13,"independent":18,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":6},"total_sources":31,"unique_domain_count":22},"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 Fixed-Rate Home Equity Loan Lenders (Lump Sum Second Mortgage)","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Fixed-rate lump sum second mortgage","subject":"Discover","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Discover","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Discover","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Discover","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Discover","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Discover","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/fixed-rate-lump-sum-second-mortgage/discover.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/fixed-rate-lump-sum-second-mortgage/discover","report_type":"fit_review","study_id":"MCI-STUDY-C06EB0B8E506","title":"Discover Review for Fixed-Rate Home Equity Loans"},"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 17:37:33.924123+00","research_date":"2026-09-29","source_snapshot_sha256":"ac1ecdd6c51053245506acbcf529c01d8f6a1e359fe36f6d19bb7e958b330be8","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Discover is a weak fit for a Fixed-rate lump sum second mortgage in 2026. Two of the seven platforms named Discover during the ranking stage, and both placed it in the top five, but the product itself is no longer available to new applicants. The strongest reason to consider Discover is historical: its closed-end home equity loan was structurally aligned with a lump-sum, fixed-rate second mortgage, with reported 10/15/20/30-year terms and no closing costs. The main limitation is decisive — Discover closed its home-loan business in July 2025 and stopped servicing home loans on February 2,…","target_buyer":"A homeowner facing a single large known expense who wants a predictable fixed monthly payment instead of a variable revolving balance.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["fixed rate competitiveness","loan term options","closing cost structure","funding speed","lump sum maximum amounts"],"geography":"United States","slug":"best-fixed-rate-home-equity-loan-lenders-lump-sum-second-mortgage","title":"Best Fixed-Rate Home Equity Loan Lenders (Lump Sum Second Mortgage)","use_case":"Fixed-rate lump sum second mortgage"}}