{"citations":{"source_mix":{"company_owned":18,"independent":8,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":2},"total_sources":29,"unique_domain_count":15},"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":["anthropic","deepseek","google","grok","kimi"],"predicate":"final_consensus_rank","qualifier":"Accessing equity in a vacation or second home","subject":"PenFed Credit Union","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"PenFed Credit Union","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"PenFed Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"PenFed Credit Union","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"weak","subject":"PenFed Credit Union","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"PenFed Credit Union","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"PenFed Credit Union","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/second-home-vacation-property-equity/penfed-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/second-home-vacation-property-equity/penfed-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-F1020DDF1C8C","title":"PenFed Credit Union 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.","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.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","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 19:52:15.382591+00","research_date":"2026-09-29","source_snapshot_sha256":"9b210b5f49163d18c742279150c9188bf1861f796058c03d3db373389238fcb8","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"PenFed Credit Union is a good fit for accessing equity in a vacation or second home, with meaningful qualification uncertainty. Five of the seven platforms in this study named PenFed during the ranking stage, and four of those five rated it good or strong for this use case. The strongest reason to consider it: PenFed's published HELOC terms expressly include second homes, with a maximum 85% CLTV in most states and a 10-year draw period followed by 20-year repayment (openai:penfed-heloc-terms, ). The main limitation: one platform's independent sources claim PenFed restricts HELOCs to primary,…","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"}}