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The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 17:18:13.187633+00","research_date":"2026-09-29","source_snapshot_sha256":"d32a8736310a3da7a74318760d582593d16880dc1c98b875d27bfbbed3cd888d","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":7,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Bank of America is the consensus leader for a general-purpose revolving home equity line of credit, named by all seven platforms studied (100.0% share, average listed position 3.0, best position 1). Navy Federal Credit Union is the strongest alternative for eligible military-affiliated homeowners who want a 20-year draw period and lender-paid closing costs, while PNC Bank and Truist lead on fixed-rate conversion flexibility. This index studied seven AI platforms — openai, anthropic, deepseek, grok, perplexity, kimi, and google — using one standardized prompt sent once to each. Twenty-one…","target_buyer":"A homeowner with meaningful equity built up who wants ongoing flexible access to cash for a variety of future needs rather than a single lump sum.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["draw period terms","variable rate competitiveness","fees and closing costs","credit line flexibility","customer service"],"geography":"United States","slug":"best-overall-home-equity-line-of-credit-heloc-lenders","title":"Best Overall Home Equity Line of Credit (HELOC) Lenders","use_case":"General-purpose revolving home equity line of credit"}}