{"citations":{"source_mix":{"company_owned":11,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":21,"partial":3},"total_sources":24,"unique_domain_count":13},"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"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"Connexus Credit Union","unit":"rank","value":4},{"claim_id":"claim-003","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-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Connexus Credit Union","unit":"platforms","value":5},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Connexus Credit Union","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.75,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Connexus Credit Union","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/credit-union-lower-rate-heloc/connexus-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/credit-union-lower-rate-heloc/connexus-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-E3B5DB97B5E8","title":"Connexus 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.","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 19:08:12.433891+00","research_date":"2026-09-29","source_snapshot_sha256":"bb23b76cc73080475c7c420073236820cc9239fa4989d5c0c8a5f068c97392f1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":9,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Connexus Credit Union is a good fit for a member-owned institution seeking a lower cost HELOC, but it is not conclusively the cheapest option. Four of the seven platforms in this study named Connexus during the ranking stage, and five of seven rated the fit \"good\" while two rated it \"uncertain.\" The strongest reason to consider it is broad nationwide membership through a one-time $5 Connexus Association donation combined with an advertised 4.99% introductory HELOC rate and no annual fee . The main limitation is that the advertised post-introductory rate of 7.51% for the Standard HELOC…","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"}}