{"citations":{"source_mix":{"company_owned":18,"independent":4,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":19,"partial":3},"total_sources":22,"unique_domain_count":6},"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","google","kimi"],"predicate":"final_consensus_rank","qualifier":"Second lien against equity in a manufactured home","subject":"Truliant Federal Credit Union","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Truliant Federal Credit Union","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Truliant Federal Credit Union","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Truliant Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Truliant Federal Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Truliant Federal Credit Union","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/truliant-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/truliant-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-3ADDA4B2A955","title":"Truliant 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 20:18:07.84516+00","research_date":"2026-09-29","source_snapshot_sha256":"3be028840b89b503b7a0a0228a003680aef791e35b1cc9b98fff6054c86f5196","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Truliant Federal Credit Union is a mixed-to-good fit for a second lien against equity in a manufactured home, but only for a narrow borrower profile. Three of seven platforms named Truliant during ranking discovery, at an average listed rank of 3.67 and a best rank of 2. The strongest reason to consider it: Truliant's own materials expressly describe home-equity lending for double-wide manufactured or modular homes on permanent foundations, and it advertises no closing costs, no maintenance fees, and no prepayment penalties (, -2, ). The main limitation: public materials do not clearly…","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"}}