{"citations":{"source_mix":{"company_owned":24,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":6},"total_sources":36,"unique_domain_count":16},"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":["openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Second lien against equity in a manufactured home","subject":"Fannie Mae-approved participating lenders","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Fannie Mae-approved participating lenders","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Fannie Mae-approved participating lenders","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Fannie Mae-approved participating lenders","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Fannie Mae-approved participating lenders","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/fannie-mae-approved-participating-lenders.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/fannie-mae-approved-participating-lenders","report_type":"fit_review","study_id":"MCI-STUDY-60E3E2F47735","title":"Fannie Mae-approved participating lenders 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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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 20:34:56.97534+00","research_date":"2026-09-29","source_snapshot_sha256":"8704128ead991e06e8a9ed73243d2ca674ccdeed45622f0125e52755e99ed3d4","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Fannie Mae-approved participating lenders are a mixed-to-weak fit for a second lien against equity in a manufactured home. Only 2 of 7 platforms named this entity during the ranking stage (openai and perplexity), giving it a 28.6% share of included platform responses, an average listed rank of 5.5, and a best listed rank of 4. The strongest reason to consider it is that qualifying multi-width manufactured homes on owned land can access equity through a conventional cash-out refinance at 65% LTV/CLTV . The main limitation is that no reviewed Fannie Mae material documents a standardized…","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"}}