{"citations":{"source_mix":{"company_owned":15,"independent":24,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":31,"partial":9},"total_sources":40,"unique_domain_count":19},"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 No-Closing-Cost HELOC Lenders","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek"],"predicate":"final_consensus_rank","qualifier":"Avoiding upfront fees on a smaller HELOC","subject":"Figure","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Figure","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Figure","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Figure","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Figure","unit":"platforms","value":1}],"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":9,"name":"Figure","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/no-closing-cost-heloc/figure.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/no-closing-cost-heloc/figure","report_type":"fit_review","study_id":"MCI-STUDY-D4117607F5F2","title":"Figure Review for HELOC Closing Costs"},"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.","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 18:40:07.151956+00","research_date":"2026-09-29","source_snapshot_sha256":"3f5d3a13b048a4fc4ec04ab7a23133711f0281501f6b0e6d26d10b1fdf7c9077","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":9,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Figure is a mixed fit for Avoiding upfront fees on a smaller HELOC. Two of the seven platforms that evaluated fit named Figure during the ranking stage, and those two placed it at ranks 7 and 4. The strongest reason to consider Figure is that it charges no application, annual, inactivity, or early-closure fees and requires no appraisal or title work on many loans, which removes several conventional closing charges (, -8, -10). The main limitation is that Figure still charges an origination fee of up to 4.99% of the initial draw, which can outweigh the avoided closing costs on a modest line…","target_buyer":"A cost-sensitive homeowner opening a relatively modest line who wants to avoid paying upfront fees to establish it.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["absence of closing costs","early closure fee terms","rate tradeoff for no-fee structure","minimum line requirements"],"geography":"United States","slug":"best-no-closing-cost-heloc-lenders","title":"Best No-Closing-Cost HELOC Lenders","use_case":"Avoiding upfront fees on a smaller HELOC"}}