{"citations":{"source_mix":{"company_owned":14,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":20,"partial":6},"total_sources":28,"unique_domain_count":18},"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 Jumbo HELOC Lenders for High-Value Homes and Large Credit Lines","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"Large credit line on a high-value home","subject":"Flagstar Bank","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Flagstar Bank","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Flagstar Bank","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Flagstar Bank","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Flagstar Bank","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.666666666666667,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Flagstar Bank","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/jumbo-large-credit-line-heloc/flagstar-bank.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/jumbo-large-credit-line-heloc/flagstar-bank","report_type":"fit_review","study_id":"MCI-STUDY-7A8E146BCB24","title":"Flagstar Bank Review for High-Value Homes and Large Credit Lines"},"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.","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 19:23:09.465658+00","research_date":"2026-09-29","source_snapshot_sha256":"d061816d22a9e19b42b16651737b02f4c01a1adb1c5fb0cac7d8a2b07fbccc8b","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":9,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Flagstar Bank is a mixed fit for a large credit line on a high-value home. Three of seven platforms named it during the ranking stage, with an average listed rank of 4.67 and a best rank of 3. Its strongest case is a publicly advertised HELOC range of $10,000 to $1 million, a 10-year draw period, and relationship-based rate discounts of up to 0.50% for qualifying deposit customers. The main limitation is that platforms disagree on the maximum line size: one platform's own consumer application page states a $750,000 cap, while independent reviews and other platforms cite $1 million. Lines…","target_buyer":"An owner of a high-value home with substantial equity who needs a credit line well above standard conforming limits.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["maximum line size offered","rate competitiveness at large balances","underwriting for high-value properties","relationship banking perks"],"geography":"United States","slug":"best-jumbo-heloc-lenders-for-high-value-homes-and-large-credit-lines","title":"Best Jumbo HELOC Lenders for High-Value Homes and Large Credit Lines","use_case":"Large credit line on a high-value home"}}