{"citations":{"source_mix":{"company_owned":31,"independent":10,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":37,"partial":4},"total_sources":41,"unique_domain_count":16},"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"],"predicate":"final_consensus_rank","qualifier":"Accessing equity in a vacation or second home","subject":"Spring EQ","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Spring EQ","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Spring EQ","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Spring EQ","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Spring EQ","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Spring EQ","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/second-home-vacation-property-equity/spring-eq.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/second-home-vacation-property-equity/spring-eq","report_type":"fit_review","study_id":"MCI-STUDY-BB1225B854AF","title":"Spring EQ 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.","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 19:58:15.792145+00","research_date":"2026-09-29","source_snapshot_sha256":"2c4c7778cebe618ee2eb766193fa9f6ae95e34849b55ef2e15a4c59a40325e12","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Spring EQ is a good fit for accessing equity in a vacation or second home, provided the property is a single-unit, personally used residence and the borrower has strong credit. Two of the seven platforms in this study named Spring EQ during the ranking stage, at an average listed rank of 3.5. The strongest reason to consider it is explicit second-home eligibility with published CLTV maximums reaching 80% for high-FICO borrowers, plus both fixed-rate HELOAN and HELOC options. The main limitation is incomplete public disclosure: current second-home rates, total fees, seasonal-occupancy…","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"}}