{"buyer_scenarios":[{"fit":"best_suited","scenario":"Origination fee: up to 9.99% of loan amount, deducted from proceeds . OpenAI described it as approximately 1% to 9%. Grok reported an average of 4.35% with a 9.99% maximum. DeepSeek reported no origination fee —this…"},{"fit":"best_suited","scenario":"Late payment fee: $15"},{"fit":"best_suited","scenario":"Returned ACH/check fee: $15"},{"fit":"best_suited","scenario":"Insufficient funds fees: Reported by Google"},{"fit":"not_best_suited","scenario":"Spouses or partners who need combined income considered in one application"},{"fit":"not_best_suited","scenario":"Applicants relying on a second borrower to improve eligibility, loan amount, or pricing"},{"fit":"not_best_suited","scenario":"Couples aiming to combine incomes for a higher loan limit"},{"fit":"not_best_suited","scenario":"Borrowers with weak credit or insufficient income who require a co-borrower or co-signer to qualify"}],"citations":{"source_mix":{"company_owned":10,"independent":17,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":9},"total_sources":27,"unique_domain_count":13},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Personal Loans for Joint Applications or Co-Borrowers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek"],"predicate":"final_consensus_rank","qualifier":"Joint & Co-Borrower Personal Loans","subject":"Rocket Loans","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Rocket Loans","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-08","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Rocket Loans","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-08","platform_support":["openai","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Rocket Loans","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-08","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Rocket Loans","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Rocket Loans","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/personal-debt-consolidation-loans/joint-co-borrower-personal-loans/rocket-loans.json","page_url":"https://creditconsensusindex.com/personal-debt-consolidation-loans/joint-co-borrower-personal-loans/rocket-loans","report_type":"fit_review","study_id":"CCI-STUDY-B8EAFF2E66AF","title":"Rocket Loans for Personal Loans for Joint Applications or Co-Borrowers Review"},"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.","The deterministic identity audit contains qualification notes that must be disclosed where relevant."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus 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Loans"],"id":"question-002","question":"Which platforms named Rocket Loans, and what ranks did they assign?","section":"Why Rocket Loans Qualified for This Study","section_id":"why-rocket-loans-qualified-for-this-study"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006"],"entities":["Rocket Loans"],"id":"question-003","question":"What did the platforms unanimously agree on regarding Rocket Loans' joint application support?","section":"What the AI Platforms Agreed About","section_id":"what-the-ai-platforms-agreed-about"},{"id":"question-004","question":"What core product features did the platforms consistently describe?","section":"What the AI Platforms Agreed About","section_id":"what-the-ai-platforms-agreed-about"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006"],"entities":["Rocket Loans"],"id":"question-005","question":"Did any platform claim Rocket Loans accepts co-borrowers, and what evidence supported that claim?","section":"Where the AI Platforms Disagreed or Were Uncertain","section_id":"where-the-ai-platforms-disagreed-or-were-uncertain"},{"id":"question-006","question":"How do the reported loan amounts, APRs, and fees differ across platforms?","section":"Where the AI Platforms Disagreed or Were Uncertain","section_id":"where-the-ai-platforms-disagreed-or-were-uncertain"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006"],"entities":["Rocket Loans"],"id":"question-007","question":"What features does Rocket Loans offer that matter for joint applicants specifically?","section":"Use-Case-Specific Features and Capabilities","section_id":"use-case-specific-features-and-capabilities"},{"id":"question-008","question":"Which capabilities relevant to co-borrower lending are missing or unverified?","section":"Use-Case-Specific Features and Capabilities","section_id":"use-case-specific-features-and-capabilities"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006"],"entities":["Rocket Loans"],"id":"question-009","question":"What APR range, loan amounts, and terms do the platforms report for Rocket Loans?","section":"Pricing, Fees, Contracts, and Ongoing Costs","section_id":"pricing-fees-contracts-and-ongoing-costs"},{"id":"question-010","question":"What fees should borrowers expect, and which fee information is conflicting?","section":"Pricing, Fees, Contracts, and Ongoing Costs","section_id":"pricing-fees-contracts-and-ongoing-costs"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006"],"entities":["Rocket Loans"],"id":"question-011","question":"Which lenders should joint applicants consider instead of Rocket Loans?","section":"When Another Option May Be Better","section_id":"when-another-option-may-be-better"},{"claims":["claim-002","claim-003","claim-004","claim-005","claim-006"],"entities":["Rocket Loans"],"id":"question-012","question":"What specific scenarios point to alternatives over Rocket Loans?","section":"When Another Option May Be Better","section_id":"when-another-option-may-be-better"}],"ranking":{"candidates_evaluated":20,"qualified_finalists":10,"ranking_unit":"Personal loan lender and loan product"},"schema_version":4,"summary":"Rocket Loans is a weak fit for borrowers seeking joint or co-borrower personal loans. Only 2 of 7 platforms (Anthropic, DeepSeek) named Rocket Loans during the ranking stage, and both ranked it 4th. The strongest reason to consider Rocket Loans is its fast, fully online application with soft prequalification and same-day funding for individual borrowers who qualify on their own. The main limitation is decisive: Rocket Loans' own materials state it offers personal loans to individual applicants only and does not currently allow co-borrowers, co-signers, or co-applicants on unsecured personal…","target_buyer":"Borrowers who want to apply jointly with a spouse, partner, or other qualified co-borrower to improve eligibility, loan amount, or terms","topic":{"base_category":"Personal & debt consolidation loans","category_criteria":["Joint application availability","co-borrower eligibility","combined-income treatment","APR and fees","loan amount range","repayment terms","prequalification options"],"geography":"United States","slug":"best-personal-loans-for-joint-applications-or-co-borrowers","title":"Best Personal Loans for Joint Applications or Co-Borrowers","use_case":"Joint & Co-Borrower Personal Loans"}}