{"citations":{"source_mix":{"company_owned":18,"independent":18,"unclear":6},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":11},"total_sources":42,"unique_domain_count":24},"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 Home Equity Loan Lenders for Manufactured and Mobile Homes","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Second lien against equity in a manufactured home","subject":"21st Mortgage","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"21st Mortgage","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"21st Mortgage","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"21st Mortgage","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"21st Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"21st Mortgage","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/21st-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/21st-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-A29B4A183DB0","title":"21st Mortgage Review for Manufactured and Mobile Homes"},"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 20:30:02.031645+00","research_date":"2026-09-29","source_snapshot_sha256":"36dcb324caa6efb0bf2be5b910ee625f0ca9a2e856328dc30ea086181d8bfe4c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"21st Mortgage is a mixed fit for a second lien against equity in a manufactured home. Two of seven platforms named it during ranking discovery, and it ranked fourth on both. Its strongest case is deep manufactured-housing specialization: it lends in 46 states, finances homes with or without permanent foundations, and offers equity-based consolidation and cash-out refinance programs. The main limitation is structural: no reviewed source verifies that 21st Mortgage originates a standalone second mortgage or HELOC behind an existing first lien. Most platforms describe its equity-access product…","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"}}