TD Bank Appears in 20.8% of AI Answers. Here's Our Five-Step Plan to Improve Its AI Visibility.

Mark HuntleyBy Mark HuntleyFounder and CEO
10 minutes read

Key Takeaways

  • TD Bank appeared in 68 of 327 benchmark answers and was recommended in 56, showing solid reach but limited top-position visibility.
  • The main factual conflicts involved total assets and minimum credit score, and each claim needed primary-source verification before any page changes.
  • Third-party lender roundups and bank-size references were the most relevant external pages to review for narrative alignment.
  • The action plan focused on verified page briefs, publisher requests, and buyer-question content around best HELOC and home equity loan queries.

Answer Capsule

In November 2026, TD Bank appeared in 68 of 327 AI answers included in the Home Equity Loans benchmark (20.80%). It received 56 recommendations (17.13%), with 20 Top 3 placements and 0 first-place recommendations. A mention means the company appeared in an answer; a recommendation means the answer affirmatively endorsed it.

Our plan compares the company with its competitors, checks conflicting AI claims against reliable sources, and identifies website pages, third-party sources and buyer questions to address. The historical results show how the figures changed across available months. Different monthly samples limit those comparisons, and conflicting AI claims require verification before corrections are proposed.

Current AI visibility

Questions This Section Answers

  • How do TD Bank mentions, recommendations and placements compare with its Home Equity Loans peers?

TD Bank recorded 68 mentions (20.80%) and 56 recommendations (17.13%) across 327 answers included in the benchmark. Top 3 placements numbered 20; first-place recommendations numbered 0. Framing among its mentions was 56 positive, 12 neutral and 0 negative.

Rank

Company

Mentions

Mention rate

Recommendations

Recommendation rate

Top 3

Top 3 rate

#1

#1 rate

1

Navy Federal Credit Union

277

84.71%

246

75.23%

105

32.11%

12

3.67%

2

Figure

227

69.42%

212

64.83%

133

40.67%

19

5.81%

3

Bank of America Corp.

248

75.84%

201

61.47%

141

43.12%

68

20.80%

4

Aven

171

52.29%

154

47.09%

92

28.13%

57

17.43%

5

PNC Bank

179

54.74%

151

46.18%

74

22.63%

24

7.34%

6

[Rocket Mortgage](/case-studies/ai-visibility/companies/home-equity-loans/rocket-[mortgage](/case-studies/ai-search/industries/mortgage-ai-visibility-competitor-analysis-citation-opportunities-five-step-optimization-plan)-ai-search-competitor-benchmark-citation-analysis-five-step-optimization-plan)

103

31.50%

88

26.91%

58

17.74%

30

9.17%

7

U.S. Bancorp

94

28.75%

72

22.02%

25

7.65%

8

2.45%

8

TD Bank

68

20.80%

56

17.13%

20

6.12%

0

0.00%

9

Spring EQ

23

7.03%

20

6.12%

4

1.22%

0

0.00%

10

Discover Home Loans

12

3.67%

7

2.14%

4

1.22%

3

0.92%

TD Bank appears in roughly one in five answers and is recommended in most of those appearances, so its reach is real rather than incidental. The gap sits in position: it earns shortlist-level attention but never takes the top slot in this sample. That pattern suggests the brand is treated as a credible option rather than the standout answer.

For a lender competing against larger branch networks and specialist home equity providers, that is a workable base. The agency would treat reach and position as separate goals, protecting the recommendation rate while building content that gives answers a reason to name TD Bank first.

What changed since last month

Questions This Section Answers

  • How did TD Bank counts and coverage differ across the available monthly snapshots?

Metric

Oct 2026

Nov 2026

Mentions

63 / 364 (17.31%)

68 / 327 (20.80%)

Recommendations

50 / 364 (13.74%)

56 / 327 (17.13%)

Top 3 recommendations

15 / 364 (4.12%)

20 / 327 (6.12%)

#1 recommendations

2 / 364 (0.55%)

0 / 327 (0.00%)

Only months with verified results are shown. Monthly sample coverage is listed in Methodology.

From October 2026 to November 2026, TD Bank's mention count rose from 63 to 68, while its recommendation count rose from 50 to 56. The recommendation rate was 13.74% and 17.13% respectively.

November shows more mentions and more recommendations than October, and the recommendation rate sits higher as well. First-place placements, already rare, dropped to none in the recorded answers. These are separate monthly samples, so the movement is best read as a snapshot shift rather than a trend.

Nothing in the record explains why the counts or rates moved, and the two months are not directly comparable. The agency would keep the scorecard running on a consistent basis, flag the first-place drop for a closer look, and avoid drawing conclusions from one month's direction.

AI recommendation trend

Observed recommendation rate (%), Oct 2026 to Nov 2026

  • TD Bank+3.39 pp
    Oct 202613.74%
    Nov 202617.13%

Separate selected monthly samples. Missing points are unavailable, not zero. Provider/prompt equivalence is unverified; rate movement does not demonstrate causation.

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Step 1. Measure

Questions This Section Answers

  • What should the agency measure and verify first for TD Bank?

AI answers contained 4 conflicting claims about TD Bank: 0 critical, 0 high, 4 medium, 0 low. Of these, 0 were rated critical or high priority; the critical claims are included in that total. These ratings help prioritize fact-checking. They do not establish that a company or publisher made an error.

Four conflicting claims about TD Bank appeared in answers, all rated medium priority, which means none demands emergency action but each deserves a documented check. The useful first step is a visibility comparison that shows where TD Bank sits against peers on reach and position, paired with a claim list sorted by what would most mislead a borrower.

That combination lets the client decide where to spend effort. The agency would build a scoped fact-review register, assign an owner to each claim, and require primary-source evidence before any correction is proposed. Ratings prioritize checking; they do not prove anyone made a mistake.

Step 2. Make the website consistent

Questions This Section Answers

  • Which recorded claim differences about TD Bank should be verified before proposed page edits?

Review topic

Severity

Recorded AI claim A

Recorded AI claim B

total assets

medium

$507B

$343B

total assets

medium

not in top 25 / fewer assets

$507 billion

minimum credit score

medium

down to roughly 660

640

total assets

medium

$507B

$343B

Both columns quote AI answers, not verified company facts. Resolve the entity, date and source before deciding whether a correction is warranted; different dates can explain an apparent conflict.

The disputed topics cluster around total assets and minimum credit score, with answers quoting different figures for each. Both columns are AI output, not verified facts, and a difference in dates or entity definition could explain an apparent conflict before any page change is warranted.

The agency would verify each figure against current primary sources, confirm which TD Bank entity and reporting period apply, and only then draft conditional page briefs. Where the company's own published figures already resolve the question, the brief documents the approved wording; where they do not, the item stays open rather than becoming a correction.

Step 3. Align the external narrative

Questions This Section Answers

  • Which cited third-party pages are relevant to fact review for TD Bank?

Cited page selected for review

Citation appearances in all captured answers

Answers mentioning the company

Conflicting claims linked to this page

https://en.wikipedia.org/wiki/List_of_largest_banks_in_the_United_States

37

0

3

https://federalreserve.gov/releases/lbr/current/

30

0

3

https://cnbc.com/select/best-home-equity-loan-lenders/

28

17

1

https://bankrate.com/home-equity/home-equity-loan-lenders/

40

16

1

https://finance.yahoo.com/personal-finance/mortgages/article/best-home-equity-loan-lenders-223817340.html

21

8

1

https://nerdwallet.com/mortgages/best/home-equity-loan-lenders

15

5

1

These pages were selected because they relate to the company in the captured answers. Their current contents still need checking before any correction request. A page linked to a conflicting claim is not necessarily its cause, and the same answer may contribute to more than one row.

The cited pages split into two groups: general bank-size references that carry several of the conflicting claims but never mention TD Bank in the captured answers, and home equity lender roundups that do mention the company. The roundups are the more natural place to look for framing the client can influence through evidence-backed requests.

Citation does not establish that a source shaped an answer, and a page linked to a conflict is not necessarily its cause. The agency would review the current contents of the lender roundups first, prepare specific requests supported by approved facts, and log responses separately from confirmed edits.

Step 4. Optimize priority company pages

Questions This Section Answers

  • Which observed TD Bank website pages should receive review briefs?

Company website page

Citation appearances in all captured answers

Benchmark answers citing the page

Recommending answers citing the page

https://td.com/us/en/personal-banking/personal-loan

6

0

0

https://td.com/us/en/personal-banking/checking-accounts

4

0

0

https://td.com/content/dam/tdb/document/pdf/personal-banking/certificates-of-deposit/td-cd-rate-sheet.pdf

2

0

0

https://td.com/us/en/personal-banking/checking-and-saving-bonus

2

0

0

https://td.com/us/en/personal-banking/foreign-exchange

2

0

0

https://td.com/us/en/personal-banking/learning/borrowing-credit/what-is-a-balance-transfer-credit-card

2

0

0

https://td.com/us/en/personal-banking/learning/money-management/types-of-checking-accounts

2

0

0

https://td.com/us/en/personal-banking/personal-debit-cards

2

0

0

The company's website was cited 52 times across 37 distinct page addresses; the table shows 8 pages selected for review. Zeros in the answer columns mean no matching answers were recorded. A cited page is not automatically a page that accompanied a recommendation.

The company's site is cited widely, but the selected pages are mostly everyday banking and learning content rather than home equity material, and none of them appeared in benchmark or recommending answers. That is a signal about relevance, not proof that the pages are weak.

The agency would prepare page briefs that pair approved facts with the questions borrowers actually ask, then check existing coverage before proposing anything new. Each brief names the audience question it answers and the evidence behind every claim, so writers are not guessing at product details.

Step 5. Publish around buyer questions

Questions This Section Answers

  • Which observed buyer questions support content briefs for TD Bank?

Question observed in the research

Benchmark answers to this question

Company mentions

Company recommendations

Which Bank has the best HELOC rates?

3

3

3

Who is the best bank for a HELOC?

3

3

2

What bank has the best home equity loan?

2

2

2

What bank is best for HELOC?

3

2

2

What company has the best HELOC?

5

2

2

What's the best place to get a HELOC?

3

2

2

best place to get a home equity loan

2

2

2

Are any banks offering HELOCs?

2

2

1

These are recorded answer observations, not search volume, verified demand, or proof of missing website content.

The recorded questions are almost all variations on which bank offers the best HELOC or home equity loan, and TD Bank is mentioned in most of them and recommended in many. The opportunity is to give those answers sharper, more specific material to draw on.

The agency would turn the observed questions into content briefs, checking first whether the site already covers each one well. Proposed work includes buyer-question pages and comparison-style explainers built on approved facts. These observations are answer records, not search volume, so briefs should follow editorial judgment rather than assumed demand.

Our 90-day action plan

Questions This Section Answers

  • How should the agency sequence the proposed TD Bank work and judge completion?

Period

Deliverable

Completion criterion

Days 1–30

Baseline scorecard, scoped fact-review register and page/source shortlist

Each record has an owner, evidence requirement and review status

Days 31–60

Approved page briefs and justified publisher requests

Separate confirmed edits, no-change decisions, requests and responses

Days 61–90

Buyer-content briefs and a fresh scorecard

Record work completed separately from measured answer outcomes and comparability limits

The first month establishes the baseline scorecard, a scoped fact-review register and a shortlist of pages and sources, each with an owner, evidence requirement and review status. The second month produces approved page briefs and justified publisher requests, with confirmed edits, no-change decisions, requests and responses recorded separately.

The final month delivers buyer-content briefs and a fresh scorecard. Completed work is reported apart from measured answer outcomes, and the comparability limits of monthly samples are stated alongside any movement, so the client can see what was done versus what changed.

Methodology

Questions This Section Answers

  • How are TD Bank answer metrics and citation populations defined?

This report covers 2026-11. The exact dates when the original AI answers were collected have not been verified. The visibility rates use 327 answers that met the benchmark's inclusion rules. A company is recommended only when the answer both endorses it and uses positive wording. Top 3 and first-place counts are part of those recommendations, not extra recommendations.

An answer can mention or recommend several companies, so company counts cannot be added to find the number of distinct answers. The net sentiment score is positive minus negative mentions, divided by all company mentions; it describes answer wording, not customer satisfaction.

The wider citation analysis covers 800 captured answers and 4884 appearances of cited URLs. Citation appearances across all captured answers differ from the number of benchmark answers citing a page and the number that also recommend a company. The current contents of cited pages and disputed company claims still need independent verification.

Monthly sample coverage:

Reporting month

Answers included

AI services covered

Services

Oct 2026

364

6

ChatGPT, Copilot, Gemini, Google AI Mode, Google AI Overviews, Perplexity

Nov 2026

327

6

ChatGPT, Copilot, Gemini, Google AI Mode, Google AI Overviews, Perplexity

August 2026 measured a different set of companies, so it is excluded from this comparison. September 2026 measured a different set of companies, so it is excluded from this comparison.

The answer samples differ between months. These comparisons show how the recorded results changed; they do not establish why they changed.

Recommendations require both an endorsement and positive wording, and top-three and first-place counts sit inside those recommendations rather than adding to them. Answers can name several companies, so company counts do not sum to distinct answers. Sentiment describes answer wording, not customer satisfaction.

The collection dates of the original answers are unverified, and the monthly samples differ, so comparisons show what was recorded, not why. Cited pages and disputed claims still need independent verification before any correction.

Our first three priorities

First, resolve the asset and credit-score conflicts through primary-source verification, since these are the claims most likely to mislead a borrower comparing lenders. Second, review the home equity lender roundups that already mention TD Bank and prepare evidence-backed requests where the current content supports one.

Third, build buyer-question briefs around the best-HELOC and best-home-equity-loan questions, checking existing coverage first. Running alongside these, the scorecard should track reach and position separately so the client can see whether TD Bank's strong recommendation base begins to convert into first-place answers.

/ Learn More

Understanding AI search visibility.

AI search experiences create answers by pulling information from many places online and summarizing it into a single response.

What Is AI Citation Intelligence?
AI citation intelligence is the process of measuring where AI platforms source their information and how frequently a brand is mentioned or referenced in AI-generated responses. Because LLMs synthesize across multiple sources, the sites and brands that appear repeatedly tend to influence how a topic or company is framed. This practice focuses on identifying which sources shape AI outputs and tracking brand visibility across different AI systems.
What Is Citation Architecture?
Citation architecture describes the set of sources that consistently inform how AI systems talk about a brand, product, or topic. LLMs draw from websites, articles, forums, and public discussion, and the sources they rely on most often become the backbone of their answers. Building strong citation architecture means ensuring that accurate, credible, high authority sources are the ones most likely to shape the way AI tools summarize and recommend a brand.
What Is Generative Engine Optimization?
Generative engine optimization (GEO) is the practice of improving the chances that AI systems use and cite your brand or content when generating answers. While traditional SEO is centered on ranking pages in search results, GEO focuses on how LLMs retrieve, interpret, and combine information when responding to a question. The objective is to strengthen the content and sources AI systems rely on, so your brand is treated as a trusted reference in AI responses.
What Is AI Share of Voice?
AI share of voice tracks how often a brand appears in AI-generated answers compared with competitors in the same category. It reflects visibility across AI platforms such as ChatGPT, Gemini, Claude, and Perplexity. Monitoring AI share of voice helps organizations see whether AI systems consistently include and recommend their brand for key queries or whether competitor brands are showing up more often.

About The Author

Mark Huntley

Mark Huntley

Founder and CEO

Mark Huntley, J.D. is founder of CiteWorks Studio, a strategic advisory focused on visibility, authority, and recommendation presence in AI-shaped search environments. His work centers on embedding-level GEO, vector optimization, and cosine gap engineering — helping brands align their digital presence with the retrieval systems that increasingly shape discovery, interpretation, and choice.

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