{"citations":{"source_mix":{"company_owned":11,"independent":8,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":6,"partial":10},"total_sources":19,"unique_domain_count":9},"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":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Second lien against equity in a manufactured home","subject":"Sonoma Federal Credit Union","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Sonoma Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Sonoma Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Sonoma Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Sonoma Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Sonoma Federal Credit Union","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Sonoma Federal Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/sonoma-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/sonoma-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-8A6A87B0D5D3","title":"Sonoma Federal Credit Union 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 20:27:24.00711+00","research_date":"2026-09-29","source_snapshot_sha256":"d2f6b3761e9b7196e1e95eb9402e9ce5950b0e31b76afda645db81a6eea32491","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Sonoma Federal Credit Union is a mixed fit for a second lien against equity in a manufactured home on owned land. Two of seven platforms named it during ranking discovery, and its average listed rank was 2.5 (best rank 1). The strongest reason to consider it: it offers a dedicated Mobile Home Equity Line of Credit, a product category most lenders avoid, and its public FAQ states the program covers parks where residents own the land . The main limitation: public materials emphasize California homes in parks on leased or rented land, publish no manufactured-home maximum CLTV, and never confirm…","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"}}