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The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 20:04:40.20141+00","research_date":"2026-09-29","source_snapshot_sha256":"4a8ed63d51301dec53b2afb535180d4a8e70601e173a9240a1ddd055a0a9bdd0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Bank of America is the consensus leader for accessing equity in a vacation or second home, named by 5 of 7 platforms (71.4%) at an average listed position of 3.6 and a best position of 2. PenFed Credit Union ties on mentions (5 of 7, 71.4%) with a best position of 1, making it the strongest alternative for borrowers who need an 85% CLTV cap in most states. Figure is the best fit for borrowers who want a digital application and a fixed-rate initial draw, while Navy Federal Credit Union is the standout for military-affiliated members who need the highest published second-home CLTV. The study…","target_buyer":"An owner of a vacation or second home who wants to borrow against equity in that property rather than their primary residence.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["second home eligibility rules","rate impact for second homes","seasonal occupancy underwriting","maximum CLTV for second homes"],"geography":"United States","slug":"best-home-equity-lenders-for-second-homes-and-vacation-properties","title":"Best Home Equity Lenders for Second Homes and Vacation Properties","use_case":"Accessing equity in a vacation or second home"}}