{"citations":{"source_mix":{"company_owned":14,"independent":9,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":3},"total_sources":23,"unique_domain_count":10},"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","perplexity"],"predicate":"final_consensus_rank","qualifier":"second home vacation property purchase","subject":"Suncoast Credit Union","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Suncoast Credit Union","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":"Suncoast Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Suncoast Credit Union","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Suncoast Credit Union","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Suncoast Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Suncoast Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/second-home-vacation-property-purchase/suncoast-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/second-home-vacation-property-purchase/suncoast-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-9761BD099188","title":"Suncoast 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.","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 11:52:30.700236+00","research_date":"2026-09-29","source_snapshot_sha256":"958bf93134f00f11d0f9ba5225211d943b6d040f80e09bed32f4a62321735e49","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Suncoast Credit Union is a mixed fit for a second home vacation property purchase. Two of seven platforms named it during the ranking stage, giving it a 28.6% share of included platform responses, an average listed rank of 4.5, and a best listed rank of 4. Its strongest advantage is a dedicated Second Home and Vacation Home Mortgages program with published occupancy rules, resort-area underwriting discretion, and fixed, jumbo, and ARM options. The main limitation is geography and disclosure: fixed-rate and jumbo second-home loans are Florida-only, out-of-state properties are ARM-only, and no…","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"}}