{"citations":{"source_mix":{"company_owned":17,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":24,"partial":5},"total_sources":29,"unique_domain_count":12},"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":["anthropic","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Fixed-rate lump sum second mortgage","subject":"Third Federal Savings & Loan","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Third Federal Savings & Loan","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Third Federal Savings & Loan","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Third Federal Savings & Loan","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.75,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Third Federal Savings & Loan","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/fixed-rate-lump-sum-second-mortgage/third-federal-savings-loan.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/fixed-rate-lump-sum-second-mortgage/third-federal-savings-loan","report_type":"fit_review","study_id":"MCI-STUDY-4B4D202CF67E","title":"Third Federal Savings & Loan 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 17:32:07.047827+00","research_date":"2026-09-29","source_snapshot_sha256":"b9027622ec9ff29d07c7bad85822bfb2e076b86fddac5eaac7e5436f10c46b96","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Third Federal Savings & Loan is a good fit for a homeowner who needs a Fixed-rate lump sum second mortgage, provided the property sits inside its lending footprint and the loan amount fits its limits. Four of seven platforms named it during the ranking stage (anthropic, grok, kimi, perplexity), a 57% share, with an average listed rank of 2.75 and a best rank of 1. The strongest reason to consider it is the combination of a true fixed-rate lump-sum product, advertised no lender closing costs, no prepayment penalty, and multiple fixed terms. The main limitation is that the maximum fixed-loan…","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"}}