{"citations":{"source_mix":{"company_owned":14,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":5},"total_sources":35,"unique_domain_count":19},"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 Overall Home Equity Line of Credit (HELOC) Lenders","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"General-purpose revolving home equity line of credit","subject":"Figure","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Figure","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"good","subject":"Figure","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Figure","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Figure","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.25,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Figure","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/general-heloc-comparison/figure.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/general-heloc-comparison/figure","report_type":"fit_review","study_id":"MCI-STUDY-FA451E8854E1","title":"Figure Review for Revolving HELOCs"},"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 17:04:55.013321+00","research_date":"2026-09-29","source_snapshot_sha256":"ef8d855d6c48f7a416e84297aaf4e8944d4d2d571c9d5ed0213fcbc9f4f9bd47","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":7,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Figure is a mixed fit for a General-purpose revolving home equity line of credit. Four of seven platforms named Figure during the ranking stage, and its average listed rank was 3.25 (best rank 1). Its strongest draw is speed and digital convenience: Figure advertises online application, approval in as little as five minutes, and funding in as few as five days, with fixed- or variable-rate options and potential limits up to $750,000 . The main limitation is structural: Figure generally funds the initial line at closing and permits additional draws only as principal is repaid, with draw…","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"}}