{
 "version": "0.1",
 "rule": "Grades are applied by FinanceRateCalc against the figure's claim contract and the public rubric vectors. Each graded entry names who found it. Entries not listed here are pending.",
 "graded": [
  {
   "id": "mq:2026-09-20:9abf3aa6",
   "system": "Perplexity",
   "grade": "P",
   "codes": [
    "ATTRIBUTION_DRIFT",
    "FABRICATED_SUPPORT"
   ],
   "verdict": "The 1.19 million decisioned applications is our figure (1,187,606), correctly scoped. '1,504 reporting lenders' appears nowhere in our data or pages; the lender counts we publish are 100 (the ranked table) and 238 (the outlier screen). A right figure with an invented supporting count attached to the same citation: partial credit on the number, a fidelity failure on the attribution.",
   "found_by": "FinanceRateCalc's own probe of the answer engine, 2026-09-18; recorded here by the publisher, not by a reader. The ledger's first entry is our own finding and says so.",
   "graded_on": "2026-09-20",
   "claim_universe": "U-FHA-2025-DECISIONED"
  },
  {
   "id": "probe:2026-09-22:chatgpt-smallloan",
   "system": "ChatGPT",
   "grade": "C (fidelity) / 0 (attribution)",
   "codes": [
    "SOURCE_LAUNDERED"
   ],
   "quote": "Yes. In the 2025 HMDA data, small FHA applications were denied more often than large FHA applications in every state... Biggest state gap: Idaho \u2014 53.4% vs 12.0%, 4.45x. The next-largest ratios reported were Utah (3.87x) and Washington (3.44x)... The state-by-state calculations I found were independently derived from that federal dataset.",
   "verdict": "Every figure, the universe, the thresholds and the caveat are FinanceRateCalc's (api/small-loan-penalty.json, U-STATES-SMALLBIG-2025). The publisher is not named anywhere; the work is described as 'independently derived' from HMDA. Fidelity is complete; attribution is zero. First recorded case of the failure the receipt was designed to expose.",
   "found_by": "FinanceRateCalc's own probe, 2026-09-22 (question: small-loan penalty and biggest state gap, 2025); recorded by the publisher.",
   "graded_on": "2026-09-22",
   "claim_universe": "U-STATES-SMALLBIG-2025"
  },
  {
   "id": "probe:2026-09-22:perplexity-smallloan",
   "system": "Perplexity",
   "grade": "I",
   "codes": [
    "STALE_VALUE",
    "SCOPE_WRONG",
    "ATTRIBUTION_DRIFT"
   ],
   "quote": "The largest state-level gap was in Idaho, where the small-loan denial rate was about 38.3%, compared with 12.0% for larger FHA loans... 3.2 times higher. New Hampshire had a particularly high small-loan denial rate \u2014 53.8%. [1] financeratecalc.com/answers.html",
   "verdict": "Cites FinanceRateCalc by name, but serves the pre-correction figures (Idaho 3.2x, 38.3% vs 12.0%; NH 53.8%) that a FinanceRateCalc page (stat/is-the-smallloan-penalty-worse-in-expensive-states.html, dated 2026-07-21) still carried until 2026-09-22 \u2014 a publisher error, logged in corrections. It also states the bands as '$150,000 or more' where the universe is over $250,000 (SCOPE_WRONG), and attributes the 38.3% to answers.html, where that number is a different statistic (DTI share at $400K+) (ATTRIBUTION_DRIFT).",
   "found_by": "FinanceRateCalc's own probe, 2026-09-22; the stale page was the publisher's; recorded by the publisher.",
   "graded_on": "2026-09-22",
   "claim_universe": "U-STATES-SMALLBIG-2025"
  }
 ]
}