{"citations":{"source_mix":{"company_owned":156,"independent":73,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":177,"partial":42},"total_sources":232,"unique_domain_count":76},"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 Credit Union HELOC Lenders for Lower Rates and Fees","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"iQ Credit Union","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"iQ Credit Union","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"Alliant Credit Union","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Alliant Credit Union","unit":"platforms","value":6},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"Navy Federal Credit Union","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Navy Federal Credit Union","unit":"platforms","value":5},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"Connexus Credit Union","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Connexus Credit Union","unit":"platforms","value":4},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"Broadview Federal Credit Union","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Broadview Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"Space Coast Credit Union","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Space Coast Credit Union","unit":"platforms","value":2},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","openai"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"First Tech Federal Credit Union","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"First Tech Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","openai"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"DCU (Digital Federal Credit Union)","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"DCU (Digital Federal Credit Union)","unit":"platforms","value":2},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"Members 1st Federal Credit Union","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Members 1st Federal Credit Union","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5714285714285716,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"iQ Credit Union","platform_mentions":7,"platform_share":1},{"average_rank":2,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Alliant Credit Union","platform_mentions":6,"platform_share":0.8571428571428571},{"average_rank":3.6,"best_rank":2,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Navy Federal Credit Union","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":3.75,"best_rank":1,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"Connexus Credit Union","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":3,"best_rank":2,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"Broadview Federal Credit Union","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":6,"best_rank":6,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Space Coast Credit Union","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":6.5,"best_rank":3,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"First Tech Federal Credit Union","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":6.5,"best_rank":4,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"DCU (Digital Federal Credit Union)","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":7,"best_rank":4,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Members 1st Federal Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/credit-union-lower-rate-heloc.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/credit-union-lower-rate-heloc","report_type":"best_of_index","study_id":"MCI-STUDY-03ECC61B429B","title":"Best Credit Union HELOC Lenders for Lower Rates and Fees (2026)"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 19:17:42.42073+00","research_date":"2026-09-29","source_snapshot_sha256":"20558112f21ae8483444d9c3b195ce92d2f9ff04eb274ce023b6d3a712b29900","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":9,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"iQ Credit Union is the consensus leader among credit union HELOC lenders for a member-owned institution seeking a lower-cost HELOC, named by all seven platforms studied (100.0% share, average listed position 3.57, best position 1). Alliant Credit Union is the strongest alternative for borrowers who want broad online membership and low upfront lender fees, while Navy Federal Credit Union leads for eligible military-connected borrowers who value no stated application, origination, or annual fees. The study covered seven AI platforms — openai, anthropic, deepseek, grok, perplexity, kimi, and…","target_buyer":"A homeowner eligible for credit union membership who wants to compare not-for-profit lenders for potentially better pricing on a home equity line.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["membership eligibility ease","rate competitiveness versus banks","fee structure","member service quality"],"geography":"United States","slug":"best-credit-union-heloc-lenders-for-lower-rates-and-fees","title":"Best Credit Union HELOC Lenders for Lower Rates and Fees","use_case":"Member-owned institution seeking lower cost HELOC"}}