{"citations":{"source_mix":{"company_owned":11,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":13,"partial":6},"total_sources":32,"unique_domain_count":17},"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 Lenders for Second Homes and Vacation Properties","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Accessing equity in a vacation or second home","subject":"Figure","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Figure","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Figure","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Figure","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","grok","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Figure","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.75,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Figure","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/second-home-vacation-property-equity/figure.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/second-home-vacation-property-equity/figure","report_type":"fit_review","study_id":"MCI-STUDY-25ACA78BC096","title":"Figure Review for Second Homes and Vacation Properties"},"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 19:48:39.751449+00","research_date":"2026-09-29","source_snapshot_sha256":"d8d93cba8da48bd039b3b1ce3e77b131754dbad4e003c6c128f9b5dfbdef4a46","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Figure is a mixed-to-uncertain fit for accessing equity in a vacation or second home. Four of seven platforms named Figure during the ranking stage (57% of included platform responses), with an average listed rank of 2.75 and a best rank of 1. The strongest reason to consider it: Figure publicly states the property may be a primary or secondary residence, and it offers fast digital funding, fixed-rate options, and lines up to $750,000 (, , -4). The main limitation: Figure does not clearly publish second-home maximum CLTV, seasonal-occupancy underwriting, or second-home rate adjustments, and…","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"}}