{"citations":{"source_mix":{"company_owned":29,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":31,"partial":10},"total_sources":41,"unique_domain_count":20},"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","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-003","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-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Alliant Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Alliant Credit Union","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Alliant Credit Union","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Alliant Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Alliant Credit Union","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/credit-union-lower-rate-heloc/alliant-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/credit-union-lower-rate-heloc/alliant-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-CE565993896A","title":"Alliant Credit Union Review for Lower Rates and Fees"},"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.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","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.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"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 19:00:04.497552+00","research_date":"2026-09-29","source_snapshot_sha256":"c9dabfee991b8e235800b293d38df40e585d10668274f5b16bb900d7e6c510d9","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":9,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Alliant Credit Union is a good — not definitively best — fit for a member-eligible homeowner seeking a lower-cost HELOC. Six of seven platforms named it during the ranking stage, and it finished second overall with an average listed rank of 2.0. Its strongest advantages are easy membership access, a temporary 3.99% introductory APR, and no lender closing costs on qualifying lines up to $250,000. The main limitation is that the advertised rate is temporary and variable afterward, and ongoing costs — a $50 annual fee and a $200 early-termination fee — reduce the low-fee advantage. Buyers…","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"}}