The AI Authority Index: Home lending
What AI engines say about home lending: the published findings
What the edition found, in headlines read from the published edition and free to quote. The full edition, with every company's place, opens once a reader enters their details.
The edition in figures
- 1,720 AI answers read for the edition
- 308 buyer questions asked
- 309 brands the engines named
- 0 lenders named in fewer than 30 of those answers each
Source: AI Authority Index: Home Loans, edition 1, published 2 November 2026.
What the edition found
Same visibility, opposite verdict: only Reputation splits companies named as often
AI Famous and AI Infamous sit in the same column, named by default: Presence 47 against 56 to 71. What separates them is Reputation, 87 against 21 to 43, either side of the line at 50. Cult Favourite and Off the Guest List sit in the same column, rarely named: Presence 2 to 13 against 4 to 14. What separates them is Reputation, 51 to 67 against 38 to 47, either side of the line at 50. In AI Infamous, Westpac, Commonwealth Bank, NAB, and ANZ were each cautioned against more often than recommended in the answers that named them. In Off the Guest List, AMP, St. George, BOQ, HSBC Australia, BankSA, Resimac, and Great Southern Bank were each cautioned against more often than recommended in the answers that named them.
35 lenders the engines recommend but rarely name
35 of the 59 companies on the Leaderboard are Cult Favourites: named in under 15 percent of answers, and recommended for their benefits in the answers that reach them. Listed by composite, they include La Trobe Financial (45), Liberty (45), and Pepper Money Ltd (44).
Further findings
Most of the Leaderboard needs to be found
Across the Leaderboard, the most room in the composite is Reputation for four; Presence for 55. The most room is the factor whose weight, times the points it sits short of a full score, is largest: the most composite still to gain.
Who could move by the next edition
On the Leaderboard, these companies' ranges reach a line, so the sample cannot place them firmly on their side of it. Reputation, against the line at 50: Bank of China (49 to 53). Presence, against the line at 15: Bank Australia (14 to 18) and Pepper Money Ltd (11 to 15).
The engines agree on the most-named, and much less on everyone else
Consensus, compared as medians and not as a composite or a sector score: the five companies named by default, with Presence of 30 or more, have a median Consensus of 59. The other 54 companies on the Leaderboard have a median Consensus of 28.
Edition 1 read 1720 answers from five AI engines (ChatGPT, Claude, Copilot, Gemini, and Perplexity) to 308 buyer questions. The engines named 59 companies. The 59 named most are on the Leaderboard, each scored on all five factors.
How to cite these findings
Third Hemisphere, AI Authority Index: Home Loans, edition 1, published 2 November 2026. https://thirdhemisphere.agency/ai-authority-index/home-loans/findings
Read the full edition: The AI Authority Index: Home Loans. What each cell means is in the glossary, and how it was measured in the CRISP methodology.
Your company
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Frequently asked questions
What does the AI Authority Index find about home lending?
Same visibility, opposite verdict: only Reputation splits companies named as often. 35 lenders the engines recommend but rarely name. Edition 1 read 1720 answers from five AI engines (ChatGPT, Claude, Copilot, Gemini, and Perplexity) to 308 buyer questions. The engines named 59 companies. The 59 named most are on the Leaderboard, each scored on all five factors.
Which home lending companies do AI engines recommend?
The full edition places every company the engines named on the Star Chart, with every company on its Leaderboard scored on all five factors and every company Under the Radar listed with how often it was named. It is free, and opens once a reader enters their details on the edition's page.
How was the home lending edition measured?
Each edition asks a market's own buyer questions of ChatGPT, Claude, Copilot, Gemini, and Perplexity, reads every answer, and places each company the engines name on the Star Chart. Each company is scored on Consensus, Reputation, Influence, Source, and Presence.
Can a company pay to be included or placed?
No. A market publishes the companies its answers rank highest. No company can pay to be included or to be placed, and Third Hemisphere's clients are measured on the same instrument as everyone else.
Can I quote these findings?
Yes. They are published and free to quote, with the source: Third Hemisphere, AI Authority Index: Home Loans, edition 1, published 2 November 2026. https://thirdhemisphere.agency/ai-authority-index/home-loans/findings
How can I see where my company stands?
Run the free AI Authority Check for your company's place on the same chart, or commission the AI Authority Blueprint for every factor measured on your own questions and the plan to move it.
About the author
Jeremy Liddle is the Executive Chair of Third Hemisphere and the author of the AI Authority Index. He designed CRISP, the proprietary technology and methodology behind the Index, and leads its development. About Jeremy Liddle