{"citations":{"source_mix":{"company_owned":24,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":38,"partial":7},"total_sources":45,"unique_domain_count":27},"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":"Figure","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Figure","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Figure","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"Figure","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Figure","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Figure","unit":"platforms","value":1},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Figure","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Figure","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/figure.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/fixed-rate-lump-sum-second-mortgage/figure","report_type":"fit_review","study_id":"MCI-STUDY-959E900E4FC3","title":"Figure 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.","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 17:39:29.705875+00","research_date":"2026-09-29","source_snapshot_sha256":"1e8e93eb71c82bf2b57c47d870a0916a039a3b63d35c412b55d08230d11bda15","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Figure is a mixed fit for a Fixed-rate lump sum second mortgage. Two of the seven platforms in this study named Figure during the ranking stage, and the seven fit evaluations split sharply: one rated it a strong fit, two rated it good, two mixed, one weak, and one could not verify the product at all. The strongest reason to consider Figure is speed and structure: it advertises funding in as few as five days and requires a full initial draw at origination, which mimics a lump sum . The main limitation is that Figure's product is documented as an open-end home equity line with redraw…","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"}}