{"citations":{"source_mix":{"company_owned":19,"independent":20,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":30,"partial":9},"total_sources":39,"unique_domain_count":20},"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 HELOC Lenders for Self-Employed Borrowers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Figure","unit":"rank","value":8},{"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":["google"],"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","anthropic","deepseek","grok","perplexity"],"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":"uncertain","subject":"Figure","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Figure","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/self-employed-income-documentation/figure.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/self-employed-income-documentation/figure","report_type":"fit_review","study_id":"MCI-STUDY-A49A18CB9BBA","title":"Figure Review for Self-Employed Borrowers"},"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 18:07:05.701203+00","research_date":"2026-09-29","source_snapshot_sha256":"142244604796a41fb137731fbaf9839e18f531f51d1453bb711c261cc9f842f7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Figure is a mixed fit for self-employed income documentation for HELOC approval. Two of the seven platforms in the ranking stage named Figure, and it finished with an average listed rank of 5.0 and a best rank of 2. The strongest reason to consider it is speed plus a documented digital income-verification path: Figure advertises approval in minutes and funding in as few as five days, and its partner materials say business bank accounts can be used as qualifying income . The main limitation is that Figure does not clearly publish a dedicated bank-statement or asset-based HELOC program, and it…","target_buyer":"A self-employed homeowner or small business owner whose income does not fit standard W-2 documentation requirements for a home equity line.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["alternative income documentation options","bank statement or asset-based underwriting","approval speed","rate impact of non-W2 income"],"geography":"United States","slug":"best-heloc-lenders-for-self-employed-borrowers","title":"Best HELOC Lenders for Self-Employed Borrowers","use_case":"Self-employed income documentation for HELOC approval"}}