{"citations":{"source_mix":{"company_owned":16,"independent":11,"unclear":13},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":5},"total_sources":40,"unique_domain_count":22},"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 Mortgage Lenders for Second Home and Vacation Home Purchase","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"final_consensus_rank","qualifier":"second home vacation property purchase","subject":"Bank of America","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Bank of America","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Bank of America","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Bank of America","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Bank of America","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/second-home-vacation-property-purchase/bank-of-america.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/second-home-vacation-property-purchase/bank-of-america","report_type":"fit_review","study_id":"MCI-STUDY-E6F4B1B52B09","title":"Bank of America Review for Second Home and Vacation Home Purchase"},"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 11:54:26.912114+00","research_date":"2026-09-29","source_snapshot_sha256":"3e6eda2e1a837702c540a40ebbaa96409a9f1ca7319804d1c647280c8a77660c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Bank of America is a good, but not clearly best-in-market, fit for an existing homeowner buying a personal-use vacation property. Two of the seven platforms in this study named Bank of America during the ranking stage, and those two placed it at an average listed rank of 5.0. Its strongest advantage is relationship pricing: eligible BofA Rewards members can receive mortgage origination-fee reductions and, at higher tiers, an interest-rate discount . The main limitation is disclosure: Bank of America does not publicly publish a complete second-home rate premium, minimum down-payment schedule,…","target_buyer":"An existing homeowner purchasing a non-primary, personal-use second or vacation home.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["second home occupancy rules","rate premium versus primary residence","seasonal or resort area lending expertise","down payment requirements","reserve requirements"],"geography":"United States","slug":"best-mortgage-lenders-for-second-home-and-vacation-home-purchase","title":"Best Mortgage Lenders for Second Home and Vacation Home Purchase","use_case":"second home vacation property purchase"}}