{"citations":{"source_mix":{"company_owned":17,"independent":5,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":4},"total_sources":22,"unique_domain_count":5},"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":["anthropic","deepseek","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"second home vacation property purchase","subject":"Navy Federal Credit Union","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Navy Federal Credit Union","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Navy Federal Credit Union","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":"Navy Federal Credit Union","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.6,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Navy Federal Credit Union","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/second-home-vacation-property-purchase/navy-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/second-home-vacation-property-purchase/navy-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-00391E7D4F5F","title":"Navy Federal Credit Union 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 11:36:47.306966+00","research_date":"2026-09-29","source_snapshot_sha256":"2511fbe15dfbdec9248549de5410c9ea461a5bccb640ccddb0c22616a0b40d90","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Navy Federal Credit Union is a good fit for an eligible member buying a personally used, one-unit vacation home, especially when a low down payment and no PMI matter. Five of seven platforms named it during the ranking stage, with an average listed rank of 1.6 and a best rank of 1. Its strongest advantage is a published second-home program with down payments advertised as low as 5% and no PMI on listed options. The main limitation is membership eligibility, plus thin public disclosure of second-home rate premiums, reserve requirements, and resort-area underwriting. Rental income cannot be…","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"}}