{"citations":{"source_mix":{"company_owned":32,"independent":17,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":8},"total_sources":50,"unique_domain_count":18},"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","google"],"predicate":"final_consensus_rank","qualifier":"second home vacation property purchase","subject":"Wells Fargo","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Wells Fargo","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Wells Fargo","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Wells Fargo","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Wells Fargo","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":"Wells Fargo","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.666666666666667,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Wells Fargo","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/second-home-vacation-property-purchase/wells-fargo.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/second-home-vacation-property-purchase/wells-fargo","report_type":"fit_review","study_id":"MCI-STUDY-C7E0E0A9845D","title":"Wells Fargo 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 11:49:19.324209+00","research_date":"2026-09-29","source_snapshot_sha256":"f696a17936dc6f3a21f4539a8c50af5f5b8c9baa6575b91794f6212bb03340bd","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Wells Fargo is a mixed fit for a second home vacation property purchase. Three of seven platforms named it during the ranking stage, and those three placed it at ranks 10, 4, and 3. The strongest reason to consider it is documented jumbo financing for second homes plus relationship rate discounts for buyers who can move assets to Wells Fargo . The main limitation is disclosure: Wells Fargo does not publish a standalone second-home program page, second-home rate premium, minimum down payment, or reserve schedule, so every critical term must be confirmed in writing . Treat it as one lender to…","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"}}