{"citations":{"source_mix":{"company_owned":24,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":9},"total_sources":38,"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","google","kimi"],"predicate":"final_consensus_rank","qualifier":"Fixed-rate lump sum second mortgage","subject":"Spring EQ","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Spring EQ","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Spring EQ","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Spring EQ","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Spring EQ","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.3333333333333335,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Spring EQ","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/fixed-rate-lump-sum-second-mortgage/spring-eq.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/fixed-rate-lump-sum-second-mortgage/spring-eq","report_type":"fit_review","study_id":"MCI-STUDY-703C448A8973","title":"Spring EQ 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.","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 17:34:25.396128+00","research_date":"2026-09-29","source_snapshot_sha256":"3f0d173081f68fdffe1db21b08bac8d07f6a8e452a7cc51260cdc3b761fc600a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Spring EQ is a good fit for a homeowner who needs a single large, known expense funded as a fixed-rate lump-sum second mortgage, particularly when the loan is at least $50,000 and preserving a low-rate first mortgage matters. Three of seven platforms named Spring EQ during the ranking stage, and it reached a best listed rank of 1. The strongest reason to consider it is structural: the Spring EQ Home Equity Loan is explicitly a fixed-rate, fully amortizing second lien with lump-sum disbursement, advertised terms up to 30 years, and loan amounts to $500,000. The main limitation is pricing…","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"}}