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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 20:35:39.352832+00","research_date":"2026-09-29","source_snapshot_sha256":"a67feca4d68193ffd17720a21b1f8607caf962c2d1bf729e1eac3fd450143ee6","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Manufactured Nationwide is the consensus leader for a second lien against equity in a manufactured home, named by 5 of 7 platforms (71.4%) at an average listed position of 1.6 and a best position of 1. It is the only entity in this index that platforms consistently describe as advertising an in-house manufactured-home HELOAN and HELOC by loan-committee exception, though approval is exception-based, limited to doublewide-or-larger homes on owned land, and priced without public rate disclosure. U.S. Bank is the strongest alternative for a fixed-rate second-lien installment loan, and Truliant…","target_buyer":"An owner of a manufactured or mobile home on owned land who has built equity and wants to borrow against it.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["manufactured home eligibility","land ownership requirements","maximum CLTV for manufactured homes","available lenders for this property type"],"geography":"United States","slug":"best-home-equity-loan-lenders-for-manufactured-and-mobile-homes","title":"Best Home Equity Loan Lenders for Manufactured and Mobile Homes","use_case":"Second lien against equity in a manufactured home"}}