{"citations":{"source_mix":{"company_owned":18,"independent":11,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":5},"total_sources":29,"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":["deepseek","google","openai"],"predicate":"final_consensus_rank","qualifier":"Second lien against equity in a manufactured home","subject":"U.S. Bank","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"U.S. Bank","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"U.S. Bank","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"U.S. Bank","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"U.S. Bank","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"U.S. Bank","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"U.S. Bank","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/u-s-bank.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/manufactured-mobile-home-equity/u-s-bank","report_type":"fit_review","study_id":"MCI-STUDY-F667FF28B0A2","title":"U.S. Bank 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 20:19:36.792246+00","research_date":"2026-09-29","source_snapshot_sha256":"9b58f460d2d9ea47a39547929e626a5a4131f81e8573746b5a5e55a79c7a8d29","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":29,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"U.S. Bank is a mixed fit for a second lien against equity in a manufactured home. Three of seven platforms named it during the ranking stage, at an average listed rank of 2.0. Its strongest case: U.S. Bank's own knowledge-base page states a manufactured home can secure a home equity loan when the home is permanently affixed, sits on land the borrower owns, is not in a trailer court, and has been legally de-titled . The main limitation: U.S. Bank states a manufactured home cannot secure its HELOC, and it publishes no manufactured-home-specific maximum CLTV . Platform fit ratings ranged from…","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"}}